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Pfd with portfolio recovery?

Frequent Contributor

Pfd with portfolio recovery?

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??

Message 1 of 5
4 REPLIES
Valued Contributor

Re: Pfd with portfolio recovery?

Yea

Don't hold your breath. DV them first before you pay. Good luck.
Scores: about 700 across the board
Total CL: $275k
Message 2 of 5
Established Contributor

Re: Pfd with portfolio recovery?

I had a random deletion happen with them by emailing an executive a PFD. Good luck otherwise.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 5
Frequent Contributor

Re: Pfd with portfolio recovery?

What about paying and then GWing till the cows come home?

Message 4 of 5
Established Contributor

Re: Pfd with portfolio recovery?

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.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 5 of 5