when you say 'so they dont report it', ill assume the OC is reporting but the CA is NOT (yet). if thats the case, then PFD is useless...youre asking them to delete something that doesnt exist (they can only delete their own entried, not the OC's. youre stuck dealing with FPB for their entry...which they already refused payment do dont bother PFD'in them).
so, sure you could DV them (the CA, you cant DV the OC), but if you know its yours its likely to just -insert expletive here- them off.
personally, id call them up (some people only write, i just prefer gettin it done ASAP). make payment arrangements on the condition that it stays "in-house" (just means they wont report to CRAs in exchange for your cooperation). now, whether theyd agree to it is anyone guess.
you could PIF now, BEFORE they report and the issue is moot...i just assumed it wasnt an option or youdve just paid em already. but if you have ANY means to do so, id do it and be done. even max a card out to do it...high util will hurt alot less than a fresh CA...and you can always just pay if off later and no long term damage done.
