I sent out four PFD letters out last week. I figured it was best to get rid of the bad accounts all together and pay off my debt. But, I read a news article today that says that a FICO score won't even compute if you don't have any activity for six months. Can anybody verify that? 2 of the 4 PFDs I sent were for accounts that I've had in the last 7 months. If those accounts get deleted my reports won't actually show any activity for 9 months. Could I actually hurt my score by getting the accounts removed completely?