Reply
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter



ficohelp wrote:
Has this worked for anyone?  I heard the CA cannot remove, legally, only marked paid in full, or settled.  I am disputing with a CA right now, and I don't know if I should pay in full, because they wont cooperate. 
Anyone heard of Oxford Managment Services...if yes, what was your experience with them.
Thanks.



You heard wrong. :smileyhappy:
Established Contributor
Posts: 581
Registered: ‎04-11-2007
0

Re: PFD Example Letter

This is for those who have wrote a PDF and got a response. How long does it take to get a response and if they decline a PDF do they generaly write you? Thanks in advance for your answers. Sadie
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter



sl wrote:
This is for those who have wrote a PDF and got a response. How long does it take to get a response and if they decline a PDF do they generaly write you? Thanks in advance for your answers. Sadie


Response can depend.. You should hear something within 30 days.
New Member
Posts: 4
Registered: ‎05-20-2007
0

Re: PFD Example Letter

How do you come up with the "settlement amount"?
Established Contributor
Posts: 581
Registered: ‎04-11-2007
0

Re: PFD Example Letter

In my letter, I did not ask for a settlement amount, I am willing to pay the entire bill as I owe it and even if I don't get a PFD delete letter I will pay. I am trying to clean my credit up and this and AMEX are what is keeping my score at 635.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter

There is no standard offer amount.. but 50% seems to be popular.
Contributor
Posts: 86
Registered: ‎05-12-2007
0

Re: PFD Example Letter

I have a small medical debt $85 from 2001 that went to collections on 1/2003. Never heard from the CA. It is now SOL, but there is still this TL (the only one left).
 
Should I let sleeping dogs lie - or send this letter? This is the only negative TL on my EX report (FICO 648). Worth it to offer 50% to PFD? Or too much hassle for something that will naturally drop off.
 
thanks
 
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: PFD Example Letter

Excellent. I saved it. Thank you. :-)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter



Phouchg wrote:
I have a small medical debt $85 from 2001 that went to collections on 1/2003. Never heard from the CA. It is now SOL, but there is still this TL (the only one left).
 
Should I let sleeping dogs lie - or send this letter? This is the only negative TL on my EX report (FICO 648). Worth it to offer 50% to PFD? Or too much hassle for something that will naturally drop off.
 
thanks
 


If the DOFD is 2001 I would just let it age off.
Member
Posts: 6
Registered: ‎04-22-2007
0

Re: PFD Example Letter

Thanks very much,
 
I used the letter and got the following signed response today:
 
"In response to your letter on the above referenced account we have reviewed or records.  If payment in full of 100.91 is received in our office no later than June 7, 2007 we will notify the credit reporting agencies to remove our entry on the above referenced account from your credit report"
 
I mailed letter off 5/11/07, and received response in mail today 5/26/07, but their address is local to me so I was hoping for a quick response.  Since it was a small amount for a past medical bill I offered full payment, which I will be mailing on Tuesday since Monday is a holiday. Once again thanks.

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+
}