PFD

[Shawndoe79]

If i send a letter to Collinsassest (collection) for PFD, will the account become active or something weird?  Or should I not awake the sleeping bear?  Just trying to squeeze more points out of TU and EX.  the collection is only 1k.  Current scores are in signature.

[lindsaydruart]

Doesn't seem like the account is hurting you. If you are just going for a clean file, PFD. Otherwise, if you are close to it falling off, just let time run it's course. If you contact them, they might wake up and do things that hurt what you have. 

[RobertEG]

If you send communication regarding a debt, it will require that they pull and review your file.

There is always the chance that their review might trigger actions on their part that may not have occured had you not corrresponded.

Of  particular concern might be if the debt is approaching the expiration of the statute of limitations for their initiation of civil action.

However, if you are willing to pay even if they reject your PFD offer, then threat of civil action may not be of concern.

[Shawndoe79]

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@lindsaydruart wrote:

Doesn't seem like the account is hurting you. If you are just going for a clean file, PFD. Otherwise, if you are close to it falling off, just let time run it's course. If you contact them, they might wake up and do things that hurt what you have. 

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sadly it doesnt fall off til 2020/21

[Shawndoe79]

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@RobertEG wrote:

If you send communication regarding a debt, it will require that they pull and review your file.

There is always the chance that their review might trigger actions on their part that may not have occured had you not corrresponded.

Of  particular concern might be if the debt is approaching the expiration of the statute of limitations for their initiation of civil action.

However, if you are willing to pay even if they reject your PFD offer, then threat of civil action may not be of concern.

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ok thanks i better leave it alone then