I am so excited right now! I posted last week on another forum about how after emailing a letter to Chase offering a PFD they called telling us we did not need to pay and they have removed all finance charges etc and will be removing that account from the CBR's along with sending us a $51.00 check!!! We owed just over $1,000 to them and were still within the SOL. We are trying to buy a house and it looks like there is light at the end of the tunnel finally. We just have two more debts to pay. I am just really worried about doing the PFD's because the three accounts we are doing that on are the "old" established accounts on our CBR so I am not sure what will happen to our score once the AAofA gets worse. Once all the bad debt is removed we will have a car loan for $20,000 that is paid (never late) opened 2006 but everything else was opened in 2011. I am hoping that removing the CO's will greatly out weigh any negative point reductions due to AAofA.
I tried to post a picture of my Score Watch page but the forum will not allow me to : ( Is there a way around that?