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PFD or Change Reporting


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I have an old automobile account that is charged off since 2004 for about $1600. Fortunately it is still with the OC, so I am trying to work out payment with them before it goes to a CA.

My question is would it be better & more beneficial to my score (considering the account is closed) to PFD and have it completely removed or to work out with them to have them change the reporting to Paid as Agreed / No late payments... providing that they would do this.

Which would be more beneifical to try and conquer?


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