Frequent Contributor
Posts: 268
Registered: ‎03-10-2009

Not sure what happened....I guess its a good thing

I sent a collection agency a PFD letter, they stated they could not delete a trade line with all the legal mumbo jumbo.  The last sentence read, "We have, however, assisted you by updating all three credit bureaus with the news that your account has been paid in full."


Only thing is, I have never paid this collection, thats why i sent the PFD.  I guess I will see what happens. 

Starting Score: Mid 500's
EQ-663 TU-686 EXP-698
Goal Score:750+

NavChek $15,000/NFCU nRewards Visa $12,000/American Express Rewards Gold NPSL/USAA Rewards World Mastercard $7000/USAA Visa Platinum $7000/Barclay $3900/Credit Union Visa $5000/Jareds $7600/BofA Visa $4000/USAA MC $1500/Walmart $1200//Amazon $1000/Discover Card $750/Cap1 $2250.

the FICO Fitness Challenge
Take the FICO Fitness Challenge

Established Member
Posts: 58
Registered: ‎03-30-2008

Re: Not sure what happened....I guess its a good thing

From what I have learned here, this will not raise your score.  It will make you look better on a manual review however.

Mega Contributor
Posts: 18,419
Registered: ‎03-19-2007

Re: Not sure what happened....I guess its a good thing

Yes, eparker, I agree.  That was a stupid response.

Neither did you pay the collection debt, nor did their response refer to deletion from your CR.  Which is what a PFD requests.

Paid in full, even if you had paid, would not have mandated any CR deletion.


They obviously dont know what they are doing.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+