Scott- You are right. I shouldn't use "unfair" (sound childish...
However, it was YOU that made me push my wife to get the documents in order for me to GW. I had success with CBE, CHASE, Mil Star, and Sears. I figure, "what do my wife have to loose." Just last week, she had a collection from Cypress. Doctor on Duty and Tricare never process her bill and I was ticked at Tricare. I called Cypress to explain that we transferred from Monterey to FL and did not received any notice or inclination that this bill was not settle. I opted to PFD, but the collection agent informed me that this was clearly not our fault, I paid the bill ($210) and in two days, the collection was removed from all three of my wife report.
So, I do hope that PR will follow suit. If not, I will GW again!!!!
It can get worse than just two negative accounts for the same debt. When a collection is resold to another CA they might add it to your report as well which would result in 2 CAs and the original OC account reporting negatively. Actually it can get even worser if you are sued and then a judgement gets added.... 