they will pfd is i pay more

[Anonymous]

Citifinancial is willing to change my status to paid in full but NOT DELETE if i pay the rest of what i owe on the acct.  I owe another 2717.00.  it falls off 2014.  CR says CLOSED OR PAID ACCT/ZERO BAL; SETTLEMENT ACCEPTED.

Im thinking leave it if they are not willing to delete.The CSR says they dont have the power to remove it?

Any advice?

[Anonymous]

will my points go up if i pay in full and change?  I just got off the phone with the CSR and she laughed at me over the pfd request.  she also said that my acct is no longer an active actt it is in the archives. 

[happy0510]

Are you planning on buying a house soon? Also, what are your current scores?

[Anonymous]

yeah with the next 18 to 24 months.  i have a foreclosure so i have to wait anyways but in the meatime i wanted to try and clean up some ugly markets to push my score up. 

Currently my fico for EQ is a 587 I gotta check TU.

[happy0510]

In that case I wouldn't settle for anything other than deletion.  If your loan officer wants you to pay that at closing, I would do it then.  Is there any other baddies or maybe utilization you can pay down to gain more points?