The problem is that the CRAs have a formal policy that furnishers are not to delete based on payment of the debt.
That is a business policy based on the fact that the CRAs are in business to sell credit histories, and the more complete their histories, the higher their value to customers.
Subjective deletions, if routine, would result in incomplete credit history information.
That policy is clearly stated in their joint credit reporting manual, and incorporated into credit reporting agreements between furnishers and the CRAs.
Theoretically, a CRA could terminate a furnisher's ability to report to that CRA if the furnisher is known to routinely grant PFD or GW deletions.
Many furnishers will establish formal policies, passed down to their subordinates, of no grant of GW or PFD deletions.
Thus, routine calls or communications can often result in summary refusal.
Since management establishes such policies, they have discretion to grant exceptions that are not authorized by underlings.
Thus, many have received excpetions by finding an upper-management official with discretion to vary from normal policy.
