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Okay so I'm helping a friend who has this listed on his credit.
Credit Account Verizon
No contact information provided by Experian
He has the money to pay in full. But I'm trying to build his credit or clean it up at least so he doesn't have anythign derogatory. Since it's such a small balance is it even worth the effort to to pfd. He doesn't need a huge score bump right now. He just doesn't want to owe anything to anyone. But I still want to help him to it the best way. Thanks everyone.
Doing a PFD is always worth it. it's a far better impact on your score than have it linger AND in addition to the fact that is continues to report each month. The only reason I can think of not to do a PFD:
1. Account is near it's 7 year mark since DoFD and basically about to fall off the report
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |