Should I Attempt to Get OC to Recall Charge-Off Amount or Attempt PFD With CA??

[Anonymous]

As title states, should I request the original creditors to recall the charge-off amounts if I can pay in full??
The OCs are Credit One, Capital One, T-Mobile, and Wal-Mart CC. All acounts are no more than 3-4yrs old and each one has been sold off. I have 3 CA letters for CredOne, CapOne, and WM CC, dont have anything from the T-Mobile CA. Is this recommended, if so, how should I attack this and what to do about CAs if successfully recalled?

thanks

[Anonymous]

If the OC sold the debt, they will not "recall" the debt and they will not accept payment as they no longer own the debt.

[gdale6]

As stated an OC cannot recall a sold debt. I would proceed with PFD offers to the CAs and GW letters to the OCs asking for forgiveness and removal of the TLs

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

[Anonymous]

What is TL?

[Anonymous]

Tradeline.