PFD if something is not on your credit report yet?
I owe NCO about $288 for a cellphone bill - Here is my question...I just pulled all three reports today and NCO is not on one of them. I am willing to pay them in full but I am worried that after I pay they might report me anyway. Should I do a PFD for the full amount just to be on the safe side? Or are they unlikely to report once it is paid off?