Here Goes Nothin (GW Letters/PFD letters)

[Anonymous]

Martypav7 did you start calling after paying off balances?

[Anonymous]

could you pm me the email addresses for PRA? did you use that gw letter template?

[Anonymous]

It's on the very first page where I mailed out my GW letters.



Portfolio Recovery Associates
Riverside Commerce Center
120 Corporate Blvd Ste 100
Norefolk, VA 23502-4962

[Anonymous]

A heads up about PRA - They are EXTREMELY Difficult to get to delete. I had been wokring on them for 3-4 months before I finally got them to crack. I cried, I yelled, I apologized and cried some more. Phones calls after phones calls after letters after letters after E-mails after E-mails and back to Phone calls. 

[Anonymous]

Did you attempt a PFD before the GW letters? I'm willing to pay the amount in full but not if I can settle & still get it deleted.

[Anonymous]

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@Anonymous wrote:

Did you attempt a PFD before the GW letters? I'm willing to pay the amount in full but not if I can settle & still get it deleted.

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I did not. I paid this over a period of 2 years before I ever found myFICO. They had been paid for 8 months already when I found myFICO. CA's don't like to do PFD's but I suppose if you pester them enough they might!

[Anonymous]

Hi slyvixen508, 

      Usually, if I get a denial, I resend the request immediately, and yes, it is a good idea to change it up. It shows that you are persistent. The hope that is someone, someday, will say yes. If you get no response, I would advise sending a letter 30 days later. I still have yet to recieve a yes, but there ARE success stories out there. Also, many times, it takes more than one or two attempts to have your request granted...patience is key!!! :-)

[Anonymous]

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@Anonymous wrote:

You should attach that picture of Pus in Boots to every letter you send at the bottom. Guaranteed you will at least make some collections rep smile.

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I did this LOL it didn't work. Sent it to fingerhut. Ill find my credit one email it was funny and actually worked

[Anonymous]

What was the final update from Target? Did you call? I have an old account from 2012 that is still showing up in my Revolving Credit. I didn't know if it was best to call and settle or pay the amount in full. I had a $200 credit limit, but with the added fees, it's now $432.

[Anonymous]

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@Anonymous wrote:

What was the final update from Target? Did you call? I have an old account from 2012 that is still showing up in my Revolving Credit. I didn't know if it was best to call and settle or pay the amount in full. I had a $200 credit limit, but with the added fees, it's now $432.

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Target sold my accoun to a creditor so I wrong a GW Letter to Target to ask them to remove the tradeline since it was no longer active. A month later I got a later saying they were going to remove it.  Target was an easy one.