I have about 5 collections on my account and have been browsing around here for some advice. Two of them are from 2015 and the rest are around 3 years old. I have seen a fair share of both PFD recommendations as well as GW lettersafter paying collections off in full. I’m not sure which one would be best for my situation. My husband and I are trying to buy our first home and our timeline is about a year or so. Which would you guys advise?