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I have a charge off account from 2001 that is about 716.00. The company is willing to settle for 375.00 "pay for deleteion". i also have two recent 2005 collection accounts that just showed up on my credit with no dunning letter or anything.... i have dv'd them and i have recently sent them a letter giving them an additional 15 days to respond or i will send the the ITS letter... i have a few extra dollars this month... what should i pay off first?

i recently got a "pay for delete" from a 1999 account that once paid dropped my score 35 pts... i want to know which account if paid has the biggest chance of helping me gain some much needed pts?

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