Reply
Valued Contributor
Posts: 1,255
Registered: ‎05-12-2008
0

Help with CA response to PFD

Hi all,
 
I sent a few PFD letters using samples from this site (thanks everyone) and one CA came back with the following response\settlement proposal:
 
Upon receipt and clearance of $xxx this account will be satisfied in full and as per your specific request CollectionAgencyXXXnameOmitted will
REQUEST OUR REPORTING OF THIS ACCOUNT BE DELETED FROM YOUR CREDIT REPORT
 
(formatting and boldface as per CA's letter)
 
Should I go ahead and pay or should I ask them to confirm that they will indeed "delete all infomation regarding this account from the credit reporting agencies within 10 days" as I specifically asked in my PFD letter?
I'm not convinced their language means agreeing to the same terms I requested...
 
Thanks in advance for your suggestions,
dem
 
Feb 08 550s - Oct 08 700s
Thank you MyFico!
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Help with CA response to PFD

Looks OK by me, so as long as "CollectionAgencyXXXnameOmitted" is the one you submitted the PFD to, they are the one who wrote the response, and they are the one reporting to your CR.
 
I would not be too concerned about the time limit. Some CAs and OCs only update once a month. I'd give them a little extra time.
 
If you are open to answering, who is the CA? And congrats!
Valued Contributor
Posts: 1,255
Registered: ‎05-12-2008
0

Re: Help with CA response to PFD

Cool - I'll follow up with them and accept with a registered letter. I'll let the forum know the name after it closes positively :smileywink:, but is a well-known CA, apparently easy to work with.
thanks,
dem
Feb 08 550s - Oct 08 700s
Thank you MyFico!
Valued Contributor
Posts: 1,255
Registered: ‎05-12-2008
0

Re: Help with CA response to PFD

The CA was RJM - they were very good: they accepted, cashed, removed, all in short order.
 
thanks,
again,
d.
Feb 08 550s - Oct 08 700s
Thank you MyFico!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.