Paid in full give higher score than Settled

[lyssa29]

Do the notations on the collection accounts matter?  Does it matter to the score that someone would report a paid in full balance over a settled balance, or just the impact to a creditor?

[couponcrazy619]

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@lyssa29 wrote:

Do the notations on the collection accounts matter?  Does it matter to the score that someone would report a paid in full balance over a settled balance, or just the impact to a credito

Score doesn't go up...the damage is already done. The only thing that would matter is when a lender looked at your report. They will see you settled in full or whatever note you have on that account. 

Have you tried GW these to get deleted?

[gdale6]

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@lyssa29 wrote:

Do the notations on the collection accounts matter?  Does it matter to the score that someone would report a paid in full balance over a settled balance, or just the impact to a creditor?

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To a UW they might, settled or PIF is same in eyes of FICO.