A Question About My Credit!?

You might want to negotiate a pay for deletion plan with whoever owns the bills now.

If your PFD negotiations are successful, you should see results within 30-60 days of paying them.

If your PFD negotiations fail and you decide to just straighten out your credit and fly right, 12 months of no derogatory marks should get you a decent score bump. 24 months of no derogatory marks gets you a significant score bump.

Good luck!

If you can pay or get these bills reduced, also if they could either delete the entry by using a " Pay to delete " letter, this would help. If you were to pay them all off, without them agreeing to the Pay to delete, it will show paid, but it will still show as a negative on your credit report. It will not come off untill the statute of limitation, or unless you can successfully dispute this information off your credit report. Straightening and Improving your credit is more than just paying off the negative entrys on your report, it is a process of paying old accounts off, credit repair for negative entrys on your report, acquiring new credit (secured - etc.) that will help you improve your current credit, paying on time, paying the minimum or more on your credit card, not going over the limit, and not using more than 20-30% of your credit limit. Reading all the books, articles, on-line blogs and information you can on credit, the use of credit, money, money management, and debt, will give you a better understanding of credit.

3-6 mo's