Do NOT (yet) pay collections, charge-offs or repos for better FICO scores. Pay or settle and scores will NOT go up or may drop up to 60 FICO points.




2 thoughts on “Collections, ChargeOffs, Repos”

    1. We cannot accept the separate free annual reports or CreditKarma, IdendityGuard, Trans Union or PrivacyGuard due to lack of needed data.

      Other credit report sources:

      If your mortgage lender pulled your credit send that report to us. Warning: If you have defaulted debt or judgment its best NOT to pull mortgage credit.

      Equifax members only Used to be our recommended report as it is $20 less than MyFico.com. Since their data breach in 2017 they do not sell 3-in-1 reports to non-members.
      MyFico The best report for late payment cases, has many different FICO scores and has superior detail but is the most costly

      IdentityIQ Only the most expensive plan gives the needed report. We don’t know their cancellation policy.

      CreditCheckTotal Only $1 but warning: Must cancel within 7 days or card will be charged for credit monitoring. Long phone delays to cancel. Lacks data on late payments over 2 years ago

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