Well, I decided to send a PFD letter for an unpaid CO of $152. It is a really old collection, and EX is saying it's scheduled to fall off in April 08. I was originally going to wait, but I'm so obsessed now with my scores, that I decided to send the letter anyway.
I do have a question though, if they don't accept the PFD, would it hurt my score, since I kinda reactivated the account? Should I keep trying with more PFDs, or just wait for it to fall off?
Is this having any impact on my scores right now, since it is so old?
Thanks in advance
-d