PFD Questions

[Aviator08]

Why are the pfd letters sent through registered mail?

[Jarnog]

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@Aviator08 wrote:
Why are the pfd letters sent through registered mail?

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I think it is so that you as the sender can have confirmation that a "real person" signed for it and they recieved it on whatever date.

I could be wrong though

[titanofold]

You don't want to send PFD via Certified/Registered mail. Just a regular poastage stamp will do.

Going the certified route potentially makes the letter more of an attack rather than you humbly asking a favor.

You only send payment CMRR.

[titanofold]

I haven't seen an instance yet where a PFD triggered the TL to be reported again. I'm not saying it won't happen, but the chances could be small.

If you offered less than full payment, try upping the ante. If they still don't accept the PFD after a PIF offer then you'll have to determine if risking the consequences of not paying are worth it. You can wait for the TL to be excluded from your report before you pay, but than you risk being sued if that debt is with the SOL.

Ultimately, paid is better than not paid under a manual review even though it will not help your score.