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What should I do if they will not do a PFD. Also, the same person that would approve/deny PFD is also the same person that a GW letter would go to. She has already told me know. She told me I have to pay with CA and then they will change to paid. She commented that there will be a new activity date that will stay on the account for 7 years. However, this went delinquent in Dec of 2011. Does the clock start on a closed account that has a paid charge off on the paid charge off date? If so, paying this would be stupid. Help me understand this.
Also, I would not be paying ESL directly, I would be paying a collection agency. Who then would inform ESL. Just wanted to make sure I was clearly explaining the situation.
If she refuses to recall the debt from the CA then you can send a PFD to the CA. If they bite then great, if not then maybe just pay the CA to have it reported as paid/closed. Whether the CA accepts to PFD or you just pay they'll report back to the CU that it's paid. However, it will not restart your 7 years or reporting. If the account first went deliquent Dec. 2011 then it will be excluded no later than Dec. 2018. Are both the CU and CA reporting on your credit? If so, once it's paid you can start GWing whomever is left on the report.