Just wanted to report that RJM ACQ accepted my PFD offer. Granted, the original amount was very small ($74) but it was the most recent negative TL on my reports. I simply called the number listed on my report, and told the associate I'd be willing to pay $30 if he would agree to delete the TL. He countered with $37.15 (50%), which I accepted. I received an email stating the terms of the agreement within minutes. I printed that out and will keep it in my file of successful PFD/GW/PIF accounts. The associate was very professional and courteous. Probably the best experience with a CA I'll ever have! 
Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert) 
Awesome!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
