Just curious...
yes
Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524What would be a good percentage to offer?
depends on a number of things.
Who is the debt with?
How long ago was last payment?
What is the balance currently?
Sure you can. Offer whatever percentage you want to and see what they counter back with.
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!
June 2017 update: All scores over 820, just pure gardening now.
United Consumers. It's a medical collection for $319. DoFD 08/2008.
Complete Collection Services. Medical collection for $153. Original amount was $119. DoFD 04/2007.
These are my most recent collection accounts.
I sent a PFD to Suburban Credit Corporation a few days ago because I received a letter in the mail. Balance of $278 for 3 medical accounts. Only 1 account from them is reporting to Equifax.
@Shogun wrote:Sure you can. Offer whatever percentage you want to and see what they counter back with.
Thanks. I feel that the CAs will just ignore my letters if I try for under 50% of the balance. Is a PFD something I can keep sending like a GW?
Yes it is. You can send them, re-send them and negotiate them.
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!
June 2017 update: All scores over 820, just pure gardening now.
Cool. Thanks for the info.
