Has anybody had any recent success with either of these companies? I understand that PFD may be too difficult. I am looking to settle these rather soon as they have not been sold off but continue to report against my utilization. I owe Macy's approximately $710 and Bloomingdales $475. What type of offer is standard? I spoke with the Northland Group who is collecting on it and they offered 50% for Settled in Full. Please Help!! I am past the SOL for civil litigation but still about 18 months from having these fall off. Regardless, I would like to cure these balances so that I may one day in the future, have a credit card from them.
If you were to settle vs. PIF on these accounts, would it affect your chances of being able to get another DSNB card in the future?