I am embarrassed to say I know very little about credit reports. Well reading them is an issue for me. Can anyone tell me what is the difference between COLLECTION and PD COLLECTION is? i have both, then some that were PAID, SETTLED, CHARGE OFF. I am not sure how I can get the accounts that were paid off of my report. I am.just trying to clean up my credit report because we are looking to buy our first house. Thanks for any and all help.