PIF

[myfairlady]

I sent a pif letter to verizon and a cc new millinnium bank and did not get a resposne.  I called both companies today and they both acknowledged receipt of my pif letter.  However, they both gave me a settlement amount and both stated they would report the payment as paid in full but could not delete the record from my cr.  They both told me the settlement amount was good for 30 days.  So I was wondering if it would be a good idea to send with the payment a letter stating receipt of funds acknowledges deletion of this report for all 3 cr? 

EX-646, TU-562, EQ-568

[Anonymous]

Myfairlady,

Personally I would not send payment with a letter.  Who is to say they will just throw the letter away and then apply the payment.  There is nothing to fall back on then.  I hate to say that most companies should be honest about things like this but they do happen.  The bank I work for, I know in the payment centers they receive envelopes with letters attached to payments all the time.  They will just throw the letter out as it doesn't pertain to posting the payment, and then just post the payment to the account. 

You can hope that the read the letter and agree but there is nothing to stop them for just cashing the check.  Good luck.

[Anonymous]

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@myfairlady wrote:

I sent a pif letter to verizon and a cc new millinnium bank and did not get a resposne.  I called both companies today and they both acknowledged receipt of my pif letter.  However, they both gave me a settlement amount and both stated they would report the payment as paid in full but could not delete the record from my cr.  They both told me the settlement amount was good for 30 days.  So I was wondering if it would be a good idea to send with the payment a letter stating receipt of funds acknowledges deletion of this report for all 3 cr? 

EX-646, TU-562, EQ-568

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Nope, I would not go down this path. they only want your money, you have lever only as long as you keep dangling the money on front of them. let them sweat and do some legwork.

Just keep sending your PFD letters once a month until they cave (Verizon is tough). Consider sending letters directly to the CEO, President and COO of these companies, as well as using sites like planetfeedback.