About to call CA for PFD

[Anonymous]

Have any of you guys ever had a CA tell you no, they will not do it?  or do they generally not mind doing it they just want their money

[Anonymous]

Personally I have not had any tell me no, they have just ignored my requests.  I will try calling them I guess.  I have read plenty of other stories here of people dealing with CAs that say they just don't do it.  Some even try to claim it is a violation of the FCRA to pay for delete (it is not).

[proudnavymom]

Regarding Afni, I tried to get them to agree to a PFD several times, but they kept refusing saying they don't exchange payments for deletions.  They sent me a letter offering a settlement of $50 on a $638 T-Mobile balance prior to me requesting the PFD.    I decided to go ahead and pay the settlement, and within a couple of weeks, Afni did delete it off my CR even though they kept saying they wouldn't.   

[Anonymous]

I have heard more stories or getting "no" or no response then actually executing a pay for delete. I've tried numerous times. Never got one. Have had friends try, and they had no luck either.

[honky]

I recieved a response after I offered a pfd on a 5 year old debt.  I am not seeing this as an agreement for PFD..maybe I am wrong?

NOTICE OF RIGHT TO CURE DEFAULT

(Required before the consumer credit transaction described below may be accelerated)

The creditor named above reported to this office that you are in default on the transaction described below.

-OPEN ACCOUNT

You may cure the default on by paying tha baance of: xxx

[Anonymous]

---

@honky wrote:

I recieved a response after I offered a pfd on a 5 year old debt.  I am not seeing this as an agreement for PFD..maybe I am wrong?

NOTICE OF RIGHT TO CURE DEFAULT

(Required before the consumer credit transaction described below may be accelerated)

The creditor named above reported to this office that you are in default on the transaction described below.

-OPEN ACCOUNT

You may cure the default on by paying tha baance of: xxx

---

I would personally not consider that any sort of PFD confirmation.  I read that as them telling you that the debt will be satisfied.  I would reply back asking for an agreement with explicit language that the account will be removed from all credit bureaus.

[Anonymous]

That is not an agreement for PFD. That is you agreeing that you owe the money and you will probably start your 7 year reporting all over again.

[RobertEG]

No consumer response, regardless of any admission, ever resets the credit report exclusion date.

That is based only on the DOFD on the OC account, and nothing else.

Perhaps it might reset the running of the statute of limitations on the debt if the relevant SOL statute provides for reset based on admission of debt.

One basis for debt collector reluctance to admit to acceptance of PFDs is that such a practice violates their credit reporting agreement with the CRAs, which state that prior reporting is not to be deleted based on payment of the debt.  However, if they do accept a PFD, they dont have to report a reason, and thus any issue of their credit reporting agreement never actually sees the light of any CRA scrutiny. 

It is not an issue of federal law vs contract law, as there is no federal law prohibiting CR deletion.  The only FCRA requirement is that information of record in the consumer's credit file must not knowingly be inaccurate.