06-26-2012 03:23 PM
06-26-2012 03:52 PM - edited 06-26-2012 03:53 PM
I'll go with what I read on here, if you can PFD two collections go for it, since UTI can be adjusted any month, is easy to do and happens fairly quickly. PFD you might lose your chance. I've attempted to PFD several accounts and have been rejected so if you can, go for it.