How can I possibly recover from this?

[u/thesolesurfer]

Using my burner account out of embarrassment. This is my current score via credit karma, I’ve made some stupid mistakes in the past and unfortunately let my account with chase go to collections. Is there any way to fix this and bring my score back up? On my mobile app it still shows I can enroll and pay less than the full balance but I’m not sure if that would be my best bet, so I am seeking solid advice on this. I currently owe $4,800 to them, that is my only line of credit at this time. What would be the best way to go about this? And what are some other things I can do to increase my score?

[u/Mountain_Sky_4895]

Congratulations on fixing your credit! I’m around the same credit score as the OP, I settled to pay less on 2 Chase credit cards and still have about $4,300 debt with portfolio recovery. I heard about pay to delete a few days ago. I’m wondering how you’re experiencing was with pay to delete and is it possible with portfolio recovery?

[u/Dfw_noob_2021 → u/Mountain_Sky_4895]

Mine were with LVNV, not portfolio, unfortunately. It was smooth. I asked for 50% off. They countered at 75%. I asked if the 69% would work, but they had to agree to pay to delete. They agreed. Sent an email with the agreement, and I paid. Took a month to see it drop off

[u/Mountain_Sky_4895 → u/Dfw_noob_2021]

Settling for less and deletion! That’s awesome. What do you mean by it dropped off? Did your credit skyrocket after it was dropped off? Is that drop off and the delinquencies prior to pay for deletion still viewable on full credit reports?

[u/Dfw_noob_2021 → u/Mountain_Sky_4895]

LVNV removed themselves and the credit line from my reports. Those 2 accounts do not show anymore.