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  1. I believe it mean 3 years from your last payment. and the clock can reset if a payment is received afterward. So let say you stop making payment today, wait 1 year, then make another payment. the clock would then reset from that 1 year mark. Correct me if am wrong.
  2. Thanks for the reply. The collection trades lines are all new account within the past 3 years I would say. I have tried sending verification letters to credit bureaus few times and they always come back verified or updated, that's why i decided to go with the PFDs. I don't know how to deal with the Charged offs. Some are showing a balance and many show 0 balance.. I am attaching an image that shows the accounts.
  3. fixmeup

    I DID IT!!!!!!

    I new here..reading this inspires me already. I have scores in hight 500s and looking to fix it up so I can refinance my mortgage. Thanks for sharing
  4. Hello all, I am new here and hope I can get help understanding more about credit repair and scores. I am in the process of cleaning up my credit file in order to get a better credit score. I have collections accounts and charge off showing on my reports. I have a total of 5 collections showing on Exp, Tru, and 4 on Eq. I have send a pay for deletion offer and I am waiting for the response. I would like to know how many points I should expect to see increased if and once deleted. Right now i have a 610 Equ, 578 Trans, and 560 Exp. All 5 collections are 1 year or less old. The charged off account show 0 balances on Equ, but still show a balance on Truns, and Exp. Can i get some insight on how I can get my reports cleaned up. Trying to refinance my mortgage Thanks in advance

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