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Do you consider yourself a good negotiator?
In my personal experience, small, local collectors are easier to get a PFD. I'm 2 for 2 with them. The big guys, no so much. I'd give them a call and feel it out, and even then cash talks!
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
You should call ahead and check if the CA has a lobby first. I have friends who work in that industry and all of their buildings do not have any public access whatsoever. They also get threatened with violence and told to self-harm, so it makes sense that they don't grant access to outsiders...
I feel like, if you come off even just normal (not necessarily charismatic or a good negotiator), it's easier for ppl to be nice to you if they view you as a living human and in person is a good idea. Only if you know people don't respond well to you in person would I think you'd get a better result if you just wrote or called. Or if you think they might be discriminatory in some way toward you. Hope you get it done - it'd be great having a clean report!