Hi, and thanks for your response. I'm not so sure you fully understood my question/statements, however. I know that a derog can only stay on a credit file based on the DOFD. However, many have commented that their score LOWERED when paying off a CO, simply because the date of last activity was made recent. As derog's age, the impact they have on your credit score lowers. In other words, say, you have a paid derog over two years old, it is no longer doing much harm to your score itself...due to the time. In this case, I know making the activity recent is not a good thing & can usually lower the score. What I am wondering is if having such high utilization on the derog account is more hurtful than the amount of time it has been derog. Know what I mean? I am seriously thinking of just settling and dealing with the fact it's still on the file. I'm trying ONE LAST TIME to PFD, but, given the lack of willingness to PFD the past couple years, I am not so confident I can squeeze it out of them this time. In any event, I want it paid, because, although I do not need any loans now, I want to get on with getting a mortgage within the next few months, and this is going to have to be off anyhow. Also, I've been denied limit increases because of it, and I would love to have it out of my way.
