PFD for Closed Zero Balance PAA Acct

[Anonymous]

I have a Store card Account that is closed with a zero balance, paid as agreed.  it was only 30 days late  once.  Can or should I request that it be removed by the creditor, my Report states it was closed by the credit grantor.  Is it beneficial to my CR to request a PFD or should I leave it alone, it latest reported 7/2019. All this info is displayed on my report and current as of today, thank you for your help. Never charged off.

[M_Smart007]

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@Anonymous wrote:

I have a Store card Account that is closed with a zero balance, paid as agreed.  it was only 30 days late  once.  Can or should I request that it be removed by the creditor, my Report states it was closed by the credit grantor.  Is it beneficial to my CR to request a PFD or should I leave it alone, it latest reported 7/2019. All this info is displayed on my report and current as of today, thank you for your help. Never charged off.

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Hi @Anonymous ,

I would suggest to try this method. You really want to work on getting the late removed,

but keeping the good data  ..along with the age of account.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/m-p/4727098

[RobertEG]

If the current balance is zero, then there is no debt to offer to pay in exchange for deletion.

You would not offer a pay for deletion.

You would contact them and request a good-will deletion of either derogs reported under the account, or the deletion of their entire account.