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

Re: PFD Example Letter

This line simply provides an extra level of protection.  
Frequent Contributor
bott6698
Posts: 491
Registered: ‎06-26-2007
0

Re: PFD Example Letter

Tuscani, I am new here but I am so happy to be here. I have struggled with my credit for 10 years and I want to make a positive change. I am def going to try this letter to all collection accounts I can pay off. Thanks so much for this valuable information and do you know if this works in any state?
01/31/2008 EX 502 EQ 466 TU 481
3/14/2008 EX 578 EQ 539 TU 543
4/16/2008 EX 622 EQ 532 TU 578
5/19/2008 EX 604 EQ 591 TU 592
1/1/2009 EQ 625 EX 576 TU 569
02/13/2009 EQ 648 EX 617 TU 590
09/28/2009 EQ 568 TU 591
Thanks to all Fico supporters for your encouragement and advice
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter



bott6698 wrote:
Tuscani, I am new here but I am so happy to be here. I have struggled with my credit for 10 years and I want to make a positive change. I am def going to try this letter to all collection accounts I can pay off. Thanks so much for this valuable information and do you know if this works in any state?



Welcome. The state you reside in should not matter.
Established Member
MsBenz06
Posts: 31
Registered: ‎03-21-2007
0

Re: PFD Example Letter

I have had success with this letter, thanks again. My problem is that the CRA's are not reporting that it was paid in full or paid at all after I disputed the item. My next step is to send them a certified letter from the collection agency stating that I did pay it off and that they did say that would delete completly from my credit report.
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: PFD Example Letter



MsBenz06 wrote:
I have had success with this letter, thanks again. My problem is that the CRA's are not reporting that it was paid in full or paid at all after I disputed the item. My next step is to send them a certified letter from the collection agency stating that I did pay it off and that they did say that would delete completly from my credit report.


You gave the CA 30 days to update right?
New Visitor
BMWe30nut
Posts: 1
Registered: ‎07-03-2007
0

Re: PFD Example Letter

I registered to rain on the parade just a bit... Be careful using PFD letters. States Statute of Limitations may be tolled (re-started) by acknowledging the debt!!. Payments to someone (the Collections Agency) other than the original Creditor don't usually toll the SOL, but if you acknowledge the debt it may give them the ability to go after you in Court.
New Contributor
Patience
Posts: 63
Registered: ‎05-07-2007
0

Re: PFD Example Letter

VERY Good Letter Tus.
Frequent Contributor
Lori344
Posts: 313
Registered: ‎04-01-2007
0

Re: PFD Example Letter



BMWe30nut wrote:
I registered to rain on the parade just a bit... Be careful using PFD letters. States Statute of Limitations may be tolled (re-started) by acknowledging the debt!!. Payments to someone (the Collections Agency) other than the original Creditor don't usually toll the SOL, but if you acknowledge the debt it may give them the ability to go after you in Court.

 
That is why the first line in the letter is.....
 
 
This letter is to inform you that the validity of this debt is disputed.

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

Re: PFD Example Letter



Lori344 wrote:


BMWe30nut wrote:
I registered to rain on the parade just a bit... Be careful using PFD letters. States Statute of Limitations may be tolled (re-started) by acknowledging the debt!!. Payments to someone (the Collections Agency) other than the original Creditor don't usually toll the SOL, but if you acknowledge the debt it may give them the ability to go after you in Court.

 
That is why the first line in the letter is.....
 
 
This letter is to inform you that the validity of this debt is disputed.



Yep.. and paying never reages even if PFD fails.
New Member
lukej
Posts: 1
Registered: ‎07-10-2007
0

Re: PFD Example Letter

First Post - new here as well, great forums! I am going to use this sample for two medical claims I just discovered when pulling my reports on this site. Both seem to have been in my wife's name but since I was the primary on the insurance they are showing up on my reports.

Two questions:

1. In addition to the PFD to the CA should I also dispute the records directly with all three CRAs?

2. Can I dispute them with the CRAs on the grounds that they were my wife's accounts?

Thanks in advance!

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