Established Contributor
Posts: 569
Registered: ‎11-10-2012

Will writing a PFD letter make it worse?

I have collection accounts with Suburban Credit Corp and Portfolio Recovery and many others, but not all of them are being reported to the CRAs. For example, with Suburban, they are only reporting 2 accounts. When I logged on to my account, it showed about 5 collections. If I write PFD letters for only the 2 accounts that are showing on my CR, can they start reporting the other accounts? I'm assuming yes, since I really think all of them are valid. I'm afraid of opening a new can of worms. So basically, should I or shouldn't I wirte a PFD?

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (7/26/15): Wally TU 639 | Discover EX 651 | DCU EQ 649
Goals: Last app 7/26/15. Down from 30+ inqs each to TU-3; EX-5; EQ-11. Aiming for ZERO inqs.
*** Homeowner 9/27/13. Starting over again in the garden club 07/26/2015 with credit freeze in place. Need to pay down CCs.***
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012

Re: Will writing a PFD letter make it worse?

They can be reported at any time.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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