I went back and forth with Portfoloio Recovery and they eventually deleted my account and refunded my payment.
This info is amazing, thank you!
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
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
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?