PFD for Charge-off

[Anonymous]

This account was settled with the original creditor and is almost three years old.  I owe 2k on the credit line.  Should I send a PFD letter or DV first and see what comes back?  This account is not in collections and is closed on the CR.

[Tuscani]

So the account shows up as a chargeoff?

[Anonymous]

[TransUnion] Payment after charge off/collection
Settled - less than full balance  

[Experian] Account legally paid in full for less than the full balance.  

[Equifax] Settlement accepted on this account
Amount in H/C column is credit limit  

[Anonymous]

Bump

[Tuscani]

Try a GW letter:

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2661

[Anonymous]

Received my GW response from Chase today, no go!  Letter came from the Executive Office of Card Services.  Now this TL is CO, next step?

[Anonymous]

I would do a DV first and then if they can provide the information. Then, PIF.

[Anonymous]

Do I DV through the CRA's first? 

[Anonymous]

bump

[Anonymous]

Do the DV with the Collection Agency itself, not the credit bureaus. Sorry I didn't answer before been a rough week.