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I would never, ever.. I mean EVER not pay NFCU in full and make it right with them.
OP said NFCU is a CO and PIF but wont delete
And AUTO is the Judgement and will settle for less.
If you can pay off Auto Judgement I would so it saves you some money and your done with it.
As far as NFCU, keep trying GW letters. If you still have a savings with them and you paid your CO, they are very forgiving and will help you again.