Zeljka411 Posted May 9, 2021 Report Share Posted May 9, 2021 I have been in the low to mid 500'a for what seemed to be an eternity. After many years, things started aging out and off my reports including a repo and some collections. All that was left was a small collection for (2019 was date of last on time payment) $450 from Capital One assigned to Portfolio Recovery Associates and a charge off from Bridgecrest Auto Loans ($299) and also 2019 was date of last on time payment. I settled with Portfolio and they updated it as paid for less. They 1st reported the activity as paid for less, and reported a $90 balance, then a week later updated it to paid settled for less with $0 balance. They sent me a letter they will delete the item in 30 days. That being said, I applied for a Discover secured card and was accepted. I deposited $1,000. I was shocked today when my scores on average went up 190 points!! I now have a 696 score on all 3 with just these 3 items reporting. Should I pay off the remaining charge off of $299 and apply for another secured card like open sky or what should be my next move? Quote Link to comment Share on other sites More sharing options...
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