Hello all! Thru the grace of God I have found this site. I have about $3000.00 in debt that has gone to collections. I will be obtaining a good sum of money soon and would like to do PFD's on all of my collections accounts. However I have a dilemma. In the past, I was turned down for credit because of a lack of a credit history. After reading some of these posts on here, I have begun to wonder if the CA's delete my tradeline, would my credit scores in fact go down lower because of a lack of credit? Is there a way to pay the amount in full in exchange for the re-opening of the account in good standing? I apologize if this question has been asked before, but i REALLY need help on this one guys Thank You All