How does settling a debt from a CA differ from a paid in full in terms of my FICO score?

[Anonymous]

You can post a letter, but do not include full names, account numbers, or other sensitive/personal information.

If the CA is reporting and it is paid, the GW goes to the CA.

Only the one reporting can change the entry. The CA can't change the OC's entry, the OC can't change the CA's entry.

[tullz85]

Well, I think I have my letter formulated properly after viewing a few other ones, but it's too big to post on here. Any suggestions? I can PM if you'd like..!

Also, If I did a PIF a few years ago to a collection account, should I still try a GW letter in your opinion?

Message Edited by tullz85 on 03-18-2009 08:17 PM