I just recently paid my credit cards down to 0 blalace, and will keep one reporting around 3 percent. The only things left to clean up are a couple of medical collections. Unfortunately I can not offer a PFD as one is $475 and the other is $3895. I read that sometimes the OC will pull back the debt from the collections agency, does anyone have a sample letter I can send to them...or any advice on how I can clean these up?
Thank You!
