You can, of course, choose to simply wait for normal CR exclusion at 7 yrs + 180 days from DOFD, and rely on that to conceal the unpaid debt from future creditors by means of a simple pull of your credit report. However, that does not delete the debt or ensure that it will never become known to others. A lot to be said for still paying.
I would, regardless of any FICO effects or credit report exclusion, pay the debt.
If you are planning to use your score between now and CR exclusion date, then you can hold out for a PFD to get earlier deletion, but if you dont plan to app within that period, then earlier CR exclusion might simply be academic.
