https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251962#M6732 <DIV></DIV> <DIV><BR /></DIV> <BLOCKQUOTE> <DIV> <HR /> macleod7066 wrote:<BR /> <DIV>How would that increase your score if the CO is still there from the OC?&nbsp; Or do CO's not affect your score that much?</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV>If an OC and a CA is both listing, I'd try to work with the OC first, but if they have sold the account, then you'll have to deal with the CA.</DIV> <DIV>&nbsp;</DIV> <DIV>If the CA accepts a PFD, they can only delete what they report.</DIV> <DIV>&nbsp;</DIV> <DIV>You can always try sending a GW letter to the OC to have the account removed or the negatives removed. <BR /></DIV> <DIV></DIV> Sat, 31 May 2008 02:16:20 GMT Anonymous 2008-05-31T02:16:20Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251847#M6702 <DIV>If you PFD or DV with a CA but the OC has it listed as a charge off will both of them fall off your credit or will just the collections go away but the charge off will stay?</DIV> Fri, 30 May 2008 23:47:21 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251847#M6702 Anonymous 2008-05-30T23:47:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251856#M6705 The CA will delete...but the OC will remain... Fri, 30 May 2008 23:58:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251856#M6705 Anonymous 2008-05-30T23:58:05Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251939#M6723 <DIV>How would that increase your score if the CO is still there from the OC?&nbsp; Or do CO's not affect your score that much?</DIV> Sat, 31 May 2008 01:37:01 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251939#M6723 Anonymous 2008-05-31T01:37:01Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251957#M6731 It will affect you score because that collection will be removed...one less collection on your report...CO does affect you credit A LOT... Sat, 31 May 2008 02:09:02 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251957#M6731 Anonymous 2008-05-31T02:09:02Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251962#M6732 <DIV></DIV> <DIV><BR /></DIV> <BLOCKQUOTE> <DIV> <HR /> macleod7066 wrote:<BR /> <DIV>How would that increase your score if the CO is still there from the OC?&nbsp; Or do CO's not affect your score that much?</DIV><BR /> <HR /> </DIV></BLOCKQUOTE> <DIV>If an OC and a CA is both listing, I'd try to work with the OC first, but if they have sold the account, then you'll have to deal with the CA.</DIV> <DIV>&nbsp;</DIV> <DIV>If the CA accepts a PFD, they can only delete what they report.</DIV> <DIV>&nbsp;</DIV> <DIV>You can always try sending a GW letter to the OC to have the account removed or the negatives removed. <BR /></DIV> <DIV></DIV> Sat, 31 May 2008 02:16:20 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Question-about-DV-and-PFD/m-p/251962#M6732 Anonymous 2008-05-31T02:16:20Z