Yes, crap1 is difficult to deal with.
mystikal, they may take payments after CO if they haven't sold the debt. You can call and ask them..........BUT the ONLY way it's going to improve your score is if they remove the notation of CO and report it as paid which I am almost positive the will not do. You can try.....it never hurts to ask.
You may be better off disputing the debt........hopefully there are inaccuracies in their reporting and you can tackle them that way and just have the whole thing removed from your CR.
Crisis......I have NEVER heard of them accepting a PFD. That doesn't mean you can't try it.......but like I said, they are just very difficult to deal with.
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