I would go ahead and PIF the HSBC/Orchard; and once they report zero balances to all 3 CRA, I would then call and ask for the CLI.
Crawling At A Snails Pace . . .
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*9/01/08 FICO; EQ:524 TU:532 FAKO;EX:536
*12/07/08 FICO; EQ:548 TU: 562 FAKO;EX:565
**03/10/09 FICO;EQ: 624 TU:563 FAKO;EX:585
**09/21/10 FICO;EQ:661 TU:679EX:663(FAKO)