HI MY QUESTION IS WHY IS IT IMPORTANT TO PAY OFF YOUR COLLECTIONS WITH THE CA WHEN THEY ONLY REPORT THE ACCOUNT BEING PAID IN FULL ? TOO MY UNDERSTANDING I WISHED IT WOULD EFFECT IN A POSITIVE MANNER BUT ITS NOT BENIFICIAL AT LEAST ON MY BEHALF!!! I GUESS I SHOULD HAVE ASKED FOR PFD FROM THE BEGINING.. AN GOOD SUGGESTIONS WOULD BE GREATLY APPRECIATED. AN THE MORE I DISPUTE THE MORE I GET UPSET WITH CRA THEY ARE NOT ALWAYS Taking in to matters that the dept was paid off`,,,.......just venting a little im soory
Have you tried sending a GW letter?
Well, even though "PIF" might not help from a scoring point of view, it will certainly help in a manual review or if u were applying for a mortgage loan, etc. Lots of lenders required that ur debts are satisfied.
Dont worry though -- I understand where ur coming from! i feel ur pain! :-P