Is pay for delete obsolete?

Tips and Deals Forums Consumer Credit Improve credit Is pay for delete obsolete?

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    • #241569

      Hi all,
      I have been cleaning up my credit for a few years now and I am now down to a handful of accts. I recently had a mortgage lender to pull my credit to develop a “game plan” for getting ready for mortgage qualification. Here is my dillema: They have me a list of collection accounts to take care of. They are OK with settlement offers on these accts. There are 7 accts from 2006-2008 and vary from 26$ to 535$. I am happy that the mortgage company will accept a settlement, but I know that this will not increase my score. I have been seeing people say that pay for delete rarely works now a days. Is this true? And can any one tell me how to figure out which collection is having the greatest impact on my score?

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