https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Closed-CC-acct-PIF-or-wait/m-p/236969#M3105 Offer a PFD...If they decline offer to PIF for removal of the lates...try to give and get something... Tue, 13 May 2008 15:47:19 GMT Anonymous 2008-05-13T15:47:19Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Closed-CC-acct-PIF-or-wait/m-p/236828#M3080 OK, I have a CC account with "Credit line closed-grantor request-reported by subscriber" status. It is from Wells Fargo. I have a 30 day late on it from 1/07 and 3/07 but other than that is was paid on time. I will have enough money to pif this account in a month or two but I'm thinking it might be better to make payments on it instead and just pif it on 4/09 so it shows a 2 year on time payment record instead of the 30 day lates. Is this wrong? I realize I will be paying interest that much longer but at this point I really need my score to increase. Tue, 13 May 2008 13:19:29 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Closed-CC-acct-PIF-or-wait/m-p/236828#M3080 Anonymous 2008-05-13T13:19:29Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Closed-CC-acct-PIF-or-wait/m-p/236969#M3105 Offer a PFD...If they decline offer to PIF for removal of the lates...try to give and get something... Tue, 13 May 2008 15:47:19 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Closed-CC-acct-PIF-or-wait/m-p/236969#M3105 Anonymous 2008-05-13T15:47:19Z