I don't know if PFDs still work, but Sprint added a collection to my report that basically killed my lowest score and made it worse. So I'm looking and seeing a bunch of GW questions, but no PFD ones. My main questions are if PFDs even work nowadays and, if not, how do I go about a GW letter?
Now if a PFD does still work, then how on earth do I go about the whole debt validation part? I found out about the debt last Thursday(May 11th), was called on Friday(May 12th) (being demanded money that I didn't have by one incredibly aggressive sales lady), and the collection was officially added this Wednesday(May 17th). So does that all count as me being contacted and validating a debt or something? Or should I go about getting a debt validation letter first? Is this even necessary if I accept the debt is mine cause lord knows I just want it paid and removed from my life.
Either way, I have the money, their mailing address, spoke to a rep to get my account number and exact amount owed, so it's getting paid off one way or another. I just would like to know if I could get it off my report.
Now in the event that I can in fact get this removed off my report, and paid, does the specific score effected go up a little, stay the same, or go back to prior-collection numbers? Or is this up in the air and can heavily vary?
Note: If a PFD still works, I have two separate drafts and I would really like for someone to read them. Both for a review and because it helps to have other eyes draft a paper for you.
