I've been rebuilding my credit over the past year, and am wondering how much this last collections is dragging down my credit. I've been paying off my credit cards, all my bill are on time, Fico 2 is up 50 points since September, now 595. Fico 8 at 629 up from 565 in September. Autoloan Fico is at 632. I have a credit card that closed a couple years ago, and paid off all my other collections. I just had a really bad few years, and am on the upswing in my career so I can take care of these things. This collections is around $2,900 - about $400 is late fees so I'm hoping to negotiate a lower pay-off rate if I can get it done in one lump sum. Would like to buy a car and a house by the end of the year. income is around $52k with all bonuses. I have a great working relationship with my boss so I'm not too concerned about not getting the bonuses.
Thoughts?
Submitted March 03, 2018 at 10:39PM by homoparacosmus http://ift.tt/2HYXXHA