Hi everyone! I just wanna post that i did my first PFD by email on a medical collection from 2010 last friday 06/15/2012 and they called me back today! The lady said they sent me a letter for PFD and I should be receiving it soon. Once i get it, just pay the balance and the collection account should be deleted off of the 3 CRA's... And so happy because this is the most recent collection showing on my reports and one of the reasons im being denied for credit everytime i reconned... I wonder how many points would i gained once it's removed...ill keep you all posted!
Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646