Frequent Contributor
Posts: 443
Registered: ‎12-05-2012

Can you PFD a Chargeoff without a CA?

Hey Everyone,


So DH has a CO with an OC, but they did not turn it over to a CA. It's a $1500 balance that was charged off. Is it possible to request a PFD wiith the OC for this account? Or does that typically only work with CAs for non-chargedoff (<---Totally made that word up just now LOL) balances?



Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Posts: 12,952
Registered: ‎04-15-2011

Re: Can you PFD a Chargeoff without a CA?

Sure you can send a PFD to an OC. 

Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+