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Question about DV and PFD

New Member

Question about DV and PFD

If you PFD or DV with a CA but the OC has it listed as a charge off will both of them fall off your credit or will just the collections go away but the charge off will stay?
Message 1 of 5
4 REPLIES
Valued Contributor

Re: Question about DV and PFD

The CA will delete...but the OC will remain...
Message 2 of 5
New Member

Re: Question about DV and PFD

How would that increase your score if the CO is still there from the OC?  Or do CO's not affect your score that much?
Message 3 of 5
Valued Contributor

Re: Question about DV and PFD

It will affect you score because that collection will be removed...one less collection on your report...CO does affect you credit A LOT...
Message 4 of 5
Moderator Emeritus

Re: Question about DV and PFD



macleod7066 wrote:
How would that increase your score if the CO is still there from the OC?  Or do CO's not affect your score that much?


If an OC and a CA is both listing, I'd try to work with the OC first, but if they have sold the account, then you'll have to deal with the CA.
 
If the CA accepts a PFD, they can only delete what they report.
 
You can always try sending a GW letter to the OC to have the account removed or the negatives removed.
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Message 5 of 5