What are your thoughts when you say leave in place till it is safe to remove? Sol is up? Is this just in case they wont do a PFD? Isn't pay for delete a better option if you can get it?
Three problems with PFD:
1. Creditors are real chary
of doing it because it makes the CRAs mad at them ... perhaps mad enough to cut them off, which contractually they can do. TLF can be more easily disguised or dissembled as an error of omission rather than an act of commission in defiance of the CRA contracts.
2. Some of the larger JDBs my be able to detect PFD using their vast computer capabilities ... I don't believe they're supposed to store credit reports, but I don't think that stops 'em, and the non-obsolete derogatory TL that vanishes between one report and the next only has a small handful of explanations: file-mixing, identity theft, and PFD being the salient ones. If a JDB detects what appears to be a PFD, they will conclude that the debtor is voluntarily putting out, and their collection efforts will intensify accordingly.
3. Enough PFD and you're a ghost
locked out of the credit system by a too-thin file.