I have a timeshare that has gone to final judgment and the sale is tomorrow. I just received some money to pay off the fees. I can pay the collection agency today by credit card but i want to make sure the foreclosure or final judgment is not on my credit report or will be removed once it is paid. Please someone tell me what must i do to make sure this does not go on my credit report. Should i ask for a pfd before i pay the agency?