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Member
Posts: 30
Registered: ‎02-17-2014
0

Re: PFD Q&A, Examples, and PFD Success Stories

I went back and forth with Portfoloio Recovery and they eventually deleted my account and refunded my payment.

Member
Posts: 30
Registered: ‎02-17-2014
0

Re: PFD Q&A, Examples, and PFD Success Stories

Why pay for a credit specialist? DO THE WORK YOURSELF! It is EASY!!!!!

Established Member
Posts: 22
Registered: ‎02-14-2011
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Re: PFD Q&A, Examples, and PFD Success Stories

This info is amazing, thank you!

Starting Score: 671/718/755 (2/1/11)
Drop after applying for mortgage: 630/642/670 (3/31/11)
Jan. 2014 Score: ???/685/712 (1/24/14)

Current Score: EXP ???/TU 743/EQ 771 (4/4/14) (4/21/14)

Goal Score: 800
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Valued Contributor
Posts: 5,454
Registered: ‎10-07-2014
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Re: PFD Q&A, Examples, and PFD Success Stories

Thanks to this forum I learned about the PFD letter and faxed one to NCO Financial and within 3 days the collection was removed from all three bureaus.  I still haven't heard a word from NCO but I'm still going to send them the money I said I would in my letter

Member
Posts: 6
Registered: ‎05-24-2014
0

Re: PFD Q&A, Examples, and PFD Success Stories

can you message me your copy of the dispute letter.and more of an explantion on what you did and how it all worked out. I agree that paying these in full is stupid when they bought the debt for pennies on the dollar

One day at a time:smileywink:
Member
Posts: 30
Registered: ‎02-17-2014
0

Re: PFD Q&A, Examples, and PFD Success Stories

just google DV letter and then PFD letter and edit it to fit your needs.

New Member
Posts: 2
Registered: ‎10-15-2014
0

Re: PFD Q&A, Examples, and PFD Success Stories

I'm brand new to credit repair and I'm going to try my hand at a PFD. It's a medical collection for $102 to Marigold Financial. It's a joint debt with my husband, and it's reporting on both of our credit reports. How would I change the PFD letter to ask for it to be removed from both of our reports in exchange for full payment?

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