GW letter with payment or after.

[cbracer1980]

I sent a PFD letter to all the CA's on my report and 2 of them said ok but the other 4 didn't respond, I want to pay them off and be done but was wondering if I should include a GW letter with the payment or wait until it shows paid on my report.

Thanks

[guiness56]

Not sure why you would send a GW letter, they said they would delete.  A GW won't make it happen any faster.

It can take up to 90 days for a deletion to occur.

[cbracer1980]

The four I am wondering about are the ones that didn't send me a response to the PFD, I'm hoping that if I pay them they might be up for deleting it after all.  The other two have already been taking off my CR.

[guiness56]

Ok got it.

It could work or they will just take your money and ignore the GW.

Are these still within your state suing SOL?

[Shogun]

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@guiness56 wrote:

Ok got it.

It could work or they will just take your money and ignore the GW.

Are these still within your state suing SOL?

---

If they are paying, then the SOL is a moot point.  I think the OP is wondering that since they wouldn't take the PFD, if they just paid, could they send a GW with the payment.  My opinion?   Of course, send it in.

[guiness56]

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@Shogun wrote:

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@guiness56 wrote:

Ok got it.

It could work or they will just take your money and ignore the GW.

Are these still within your state suing SOL?

---

If they are paying, then the SOL is a moot point.  I think the OP is wondering that since they wouldn't take the PFD, if they just paid, could they send a GW with the payment.  My opinion?   Of course, send it in.

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I know.  I was going to mention settlement if they were outside SOL.

[Shogun]

I see where you were headed with that now. I need more sleep.

[cbracer1980]

They are 1 to 2 years old and I know I have to pay them, just wondering if anyone had any luck getting them deleted after getting no response from the PFD letter.

[Shogun]

     They are pretty recen so probably within the SOL.  You've tried the PFD route and they didn't go for it.  So yes, I would pay and go the GW route now.