12-05-2012 08:28 PM
If the account was sold to the CA, such as the case of HSBC in this case. The OC does not care nor will they most likely ever know if it is paid or not. As far as they are concerned, they've sold it, they're done with it. Seeing as this is the case, there's absolutely no harm in trying a GW.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!