11-30-2012 12:41 PM
I want to pfd an old account for $238. Account Dofd if 6/2007. I'm in Alabama, so I think that sol is 6 years. It's an old electric bill.
Any tips for trying to pfd with them??
11-30-2012 03:27 PM
11-30-2012 07:28 PM
I had a random deletion happen with them by emailing an executive a PFD. Good luck otherwise.
11-30-2012 08:16 PM
That should be only considered after you've tried every other avenue. Once they have the money, you have no "leverage". You do still have the leverage of having paid them, but they don't care once they have the money. As Shogun says, it only takes 1 yes out of 100 no's so it's worth a shot regardless. Some people have been sucessful with the practice of sending a payment with the stipulation that if you accept the funds then you accept the terms of a deletion. It's also worth a shot as a last resort if you were going to pay them anyway.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.