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Established Contributor
westo12
Posts: 563
Registered: ‎07-20-2008

Question re: PFD offer over the phone

I'm prepared to phone a CA and offer a PFD over the phone.  This debt was previously validated.

I know I'm not supposed to admit ownership, so what is the best way to word this request to accomplish this?

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**
Established Contributor
westo12
Posts: 563
Registered: ‎07-20-2008

Re: Question re: PFD offer over the phone

Any mods willing to weigh in on this ?

 

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**
Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: Question re: PFD offer over the phone

You could do that put dont pay intil you have email or letter stating their removal of item


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Valued Contributor
p-
Posts: 2,521
Registered: ‎06-05-2008

Re: Question re: PFD offer over the phone


westo12 wrote:

I'm prepared to phone a CA and offer a PFD over the phone.  This debt was previously validated.

I know I'm not supposed to admit ownership, so what is the best way to word this request to accomplish this?


Do it in writing.  See PFD Example Letter

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Established Contributor
ktl72455
Posts: 775
Registered: ‎12-09-2012

Re: Question re: PFD offer over the phone

Phone call :

 

I pulled my credit report and seen this account showing up, I know you think its mine, I am not saying it is mine , but I am saying I want it off my credit report and you would like paid so If I agree to pay for this are you willing to remove it?

 

If they say yes.

 

Ok that sounds great , here is my email adress would you please email me a agreement that says if I pay this amount for this account # you agree to remove it from all 3 of my credit reports.

When I get the email I will call you back and pay.

 

Get an extension number, that persons name etc so when you call back you will get them if possible. Do not give any credit card info etc with out a email or something in writting first.

 

 

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Valued Member
dheather00
Posts: 42
Registered: ‎12-31-2012

Re: Question re: PFD offer over the phone

Good luck!  I am getting ready to start this next week!  

Moderator
Shogun
Posts: 11,007
Registered: ‎04-15-2011

Re: Question re: PFD offer over the phone

I prefer to do things by mail, just for a paper trail.  However, I personally and others have too, have had positive outcomes from dealing with creditors on the phone.  It can be done, just be careful and don't let them bully you.


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Established Contributor
westo12
Posts: 563
Registered: ‎07-20-2008

Re: Question re: PFD offer over the phone

Thanks all, for the input.  I've already mailed the PFD letters, using the same one from here I've been using since 2008 lol.  I know some CA's will fax/email you something too, I just wasn't sure exactly how to word the request over the phone.

 

Shogun, thanks for the help too.  And as far as being bullied, I was the only girl in a house with 5 brothers.  No one in the WORLD could ever bully me... lol. :smileyhappy:  

 

Thanks again.  I didn't consider that I could just essentially read my letter verbatim lol. Could start there. :smileyhappy: 

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**

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