Removing a Settled account

[Swifterz]

So before I found this board and all the helpful information, I accepted and paid a settlement for less then the full balance owed on two accounts in collection. I now know that it is better to do a PFD, but I'm trying to figure out the best way to approach getting these 2 TLs removed off. I'm not sure if a GW letter is the right way to approach it since the accounts were not paid in full or if I should send a PFD and offer to pay the remaining balance off in full to have it removed. I searched around the forums trying to find a situation similiar to this but didn't have much luck. Thanks in advance for the help. 

[RobertEG]

If settled, regardless of the amount they chose to accept, there is no longer any debt upon which to base a PFD offer.

The path is to send a GW request.

You may need to send separate requests to both the debt collector and the OC if there is negative reporting remaining under the OC account.

[Swifterz]

Thanks, I thought that a GW would be the way to go, but I'm having a hard time wording the letter since we didn't pay it in full and only took a settlement. I'm going through the GW examples and trying to find something that resembles the situation I'm in to help with the wording. 

[SunriseEarth]

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@Swifterz wrote:

Thanks, I thought that a GW would be the way to go, but I'm having a hard time wording the letter since we didn't pay it in full and only took a settlement. I'm going through the GW examples and trying to find something that resembles the situation I'm in to help with the wording. 

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I've had success in GW removal on a settled collection.   Remember that a GW, because it appears to the personal aspect of the situation, should be personal.  Just tailor one to fit your situation