Credit Cards Center Credit cards from our partners
Reply
Highlighted
New Member
Posts: 3
Registered: ‎02-02-2013
0

PFD = Dispute

Sent a PFD letter to CA and they replied with a verification of debt and request I remit payment in full. I resent the PFD letter and they replied stating that the debt has been verified and they would report it to the CRA as disputed. What does this mean and what should I do now? Thanks for any help,

Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
0

Re: PFD = Dispute

Send them another PFD and make it clear it is NOT A DISPUTE but a request to pay in full for them to delete the account.

 

Also tell them since you NEVER disputed the debt to have the dispute removed from the CRAs.

 

They are using your PFD as a dispute and clearly it is not.

Community Leader
Epic Contributor
Posts: 26,273
Registered: ‎03-19-2007
0

Re: PFD = Dispute

+1, but keep it nice.

A PFD is a type of GW request.  I would say that there simply appears to be a misunderstanding, and reiterate your offer.

Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: PFD = Dispute

Seems like this is happening to a lot of folks here.  Did you use this letter from the stickies as a template?  If so, that may be why.   It starts with this sentence: "This letter is to inform you that the validity of this debt is disputed." 

 

I used that letter as a template and ended up with the same result.     Now I have no PFD agreement (never even got a response from them) and a "dispute" notation on the item on all 3 of my CRs.  Smiley Sad   Maybe one of the mods should edit that template?  Thankfully mine is a small amount medical so I'm now trying the Hipaa approach for it. 

 

 



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
0

Re: PFD = Dispute


electra wrote:

Seems like this is happening to a lot of folks here.  Did you use this letter from the stickies as a template?  If so, that may be why.   It starts with this sentence: "This letter is to inform you that the validity of this debt is disputed." 

 

I used that letter as a template and ended up with the same result.     Now I have no PFD agreement (never even got a response from them) and a "dispute" notation on the item on all 3 of my CRs.  Smiley Sad   Maybe one of the mods should edit that template?  Thankfully mine is a small amount medical so I'm now trying the Hipaa approach for it. 

 

 


+1

 

this happened to me alot at the start as well, which is why I NEVER use a template, ever. ever. ever. for a PFD or GW

 

I actually don't use them for disputes either. Every letter I write has a purpose, thought, meaning, and end goal. You cannot get that kind of personal attention from a template.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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.