It would probably depend on how old it is, I paid about 8 of them in
settlement just before I found this site and the art of PFD letters
and I have good fico success with the accounts showing 0 balances
but also mine are close to the 7 year mark and will start to fall
off next year and the year after so I can live with them for a year or 2.
If they are still fresh in age I would send out PFD letters and get the
CA's to remove there negative info from the reports or no payment,
I will be sending GW letters out soon..
Also definately get stuff in writing as NCO financial pulled a fast one on me
and Paid only themselves from the settlement offer and not the CC company
wich updated there info to reflect the initial default amount and not a paid off
balance, although the balance is a lot lower now than before but they should
have paid them off completely.