Has anyone had any success with this? I found this forum this month, one month after I settled for less to close on five CO accounts with CAs. I didn't know about PFD then. 
Has anyone had any experience or have any advice on GWing OC if the account wasn't PIF, but settled with CA. All these OCs are reporting as zero balance and the CA's are no longer reporting. Since I legally don't have a debt with these OCs anymore, is an offer to PIF as incentive to delete even feasible?
Any advice would be greatly appreciated! Thank you!