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Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

PFD on CC any luck with these???

I need to finish cleaning up 3 baddies on sweetie's CR
 
I was wondering if anyone has had any luck with PFD's on these
 
Dakota State Bank
 
Jefferson Capital
 
First Premier

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Valued Contributor
slyhouse08
Posts: 2,340
Registered: ‎04-08-2008
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Re: PFD on CC any luck with these???

Absolutely NO luck with First Premier....seems like they shut everyone down...including me...
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

Re: PFD on CC any luck with these???

OK if they won't do a PFD will it Help to pay them so that they show as paid
 
or does a Paid profit and loss/ writeoff/ collection all count the same anyway?
 
I am trying to deal with:
 
First Bank of Delaware
First Premier
HSBC
Jefferson Capital
KCA Financial
and 2 small local CA's
 
again any advice is GREATLY appreciated
 

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Regular Contributor
gordonbs
Posts: 204
Registered: ‎06-16-2008
0

Re: PFD on CC any luck with these???

If paid, it will score the same as far as FICO. BUT if unpaid the balance on OC will count against UTIL. So you might get some points for paying in that situation.
 
On manual review, it will look much better. Also gives you a chance, however small, of GWing them.
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Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
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Re: PFD on CC any luck with these???

More than likely, the First Premier is being including in util. Being that the account is reported by the OC, I would pay it.
 
Is Jefferson Capital a CA?

hoping2rebuild wrote:
OK if they won't do a PFD will it Help to pay them so that they show as paid
 
or does a Paid profit and loss/ writeoff/ collection all count the same anyway?
 
I am trying to deal with:
 
First Bank of Delaware
First Premier
HSBC
Jefferson Capital
KCA Financial
and 2 small local CA's
 
again any advice is GREATLY appreciated
 



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Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

Re: PFD on CC any luck with these???

Anyone have any luck with HSBC?? I wonder if they would GW the lates if paid?

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

Re: PFD on CC any luck with these???

Yes Jefferson Capital is a CA and if I remember reading correctly
 
according to one of the threads they are being Sued by the FDIC and the FTA
 
That's why I am hoping they will do a PFD

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Contributor
TeeVeeDude
Posts: 102
Registered: ‎04-09-2008
0

Re: PFD on CC any luck with these???



hoping2rebuild wrote:
Anyone have any luck with HSBC?? I wonder if they would GW the lates if paid?





I've had no luck at all with HSBC. I have lates on an HSBC Card and also on an HSBC Auto account, and I've been working on them for 8 months now with no success. I haven't given up yet, though. I'll keep sending the letters until the late payments are removed or I get a restraining order!
Valued Contributor
slyhouse08
Posts: 2,340
Registered: ‎04-08-2008
0

Re: PFD on CC any luck with these???

There is a thread on here...about success with HSBC...there are 4 addresses...that the GW letter were sent to...the people had no idea which address work...but one did...I have tried the addresses...with no luck...I don't think they do PFD at all...but if paid...they may accept a GW letter...
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

Re: PFD on CC any luck with these???

I am trying to get one written for my BF
 
4 years ago he lost his wife and both daughters
 
in a car crash and at that time he just gave up
 
and let everything go bad
 
now were are trying to get things fixed so we can get
 
our lives together.
 
HSBC is the only charge off he has left
 
sorry for the life story

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

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