So I get a call from a collection agency trying to collect a bill from me on behalf of Kay.
First of all the gal is young and rude as it can be but very patronizing. She said that if I pay it today, the account will become positive and paid in full
Then told me that no one can delete a collection from someone's file and that has never happened 
Then I said to her that was not accurate then she said 'Why dont you just pay the $85, that's such a small amount. Sure honey my pillow is made of benjamins right?
So then she says that not even Kay has the legal right to delete this collection even if its PIF.
What should I do??
You mean talk to Kay directly ?
I really want to PFD but this agent told me it they won't do it
SO I called Kay directly and the department responsible or credit said they can't delete this even if I pay it off today.
It will however say paid charged off on my CR's
Has anyone have any luck with Kay doing a PFD?
If the status changes to paid charge off. How does it affect my score or does it?
Charge off apparently was 2009.