Quick Question about paying charge off’s

Mar 162011
 

Hi Everyone, please help

 

When calling the OC to pay on or off a charge off what should be my verbiage to request a pif arrangement?  I know that I should accept or request a settlement. PFD are great however, if not the PFD the PIF is the next best thing.

 

If I request the PIF will that then remove the charge off status?  Also, if I make maybe 3 to 4 payments to pay off the balance would it be better as the utilization would then should a monthly increase in score?

 

Yes, the charge off has been reporting in my utitlzation per my fico but not other credit monitoring services.  The past due amount is 1266.00

Paid Charge-Offs

Aug 102010
 

Hello everyone,

I have three paid charge-off account on my credit report. They are Macy’s, First Saving Credit Card and HSBC (Orchard). I currently have a current Macy’s and HSBC credit card. How can I get these Paid Charge-Offs off my credit report. I need my scores to go up. Someone please help me. If anyone has any suggestions, backdoor email address or something to help me I would really appreciate it.

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