Am I understanding correctly?

[Anonymous]

So if I get PFD's for my debts even if they are old, it will help my credit even if the accounts are old? I have some zero balances from years ago that are still lingering around.

[RobertEG]

What derogs have been reported on the unpaid, delinquent debt?

If you had a debt with an OC that is unpaid but now showing a $0 balance, that means the creditor has reported that they no longer own the debt.

Thus, they would no longer be able to take any payment of the debt, including a PFD.

Their reporting would thus be addresed by requests for their good-will deletion.

Have debt collectors reported a collection?  If so, you could send a PFD offer to them.

[Anonymous]

The zero balances i have are the onea that i actually paid but are still iongering around on my report.

[Anonymous]

The zero balances i have are the ones that i actually paid but are still iongering around on my report.

[gdale6]

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@Anonymous wrote:

The zero balances i have are the ones that i actually paid but are still iongering around on my report.

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You would write GW letters to the reporting CA and ask for their removal.   http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680