Definitely try and PFD it! Even one small collection makes a HUGE difference in her scores.

You still have leverage with the CA because it is unpaid. Do not pay it unless they agree to delete it. You may have to try several times before it is successful.

Good luck!

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Starting Score: EQ 658 6/18/12
Current Score: EQ 703 11/9/12 TU 693 10/23/12
Goal Score: EQ 720+ by 6/1/13
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