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Just had to share the good news! I had three baddies from 5 year old book club garbage that popped up on my CR a few months back. I didn't really feel that I owed the money (it was automatic shipments that just kept coming even after I refused some and tried to cancel), but I had never disputed and just ignored them until they hit my CR.
The CA was RJM, and I saw here that someone else had good luck doing a PFD via email. On impulse, I emailed a PFD letter to them today, offering 50% of the balance in exchange for deletion, and they responded in writing within a few hours! They offered until Jan 30th to pay, but I paid immediately with a CC so that I can get the collections deleted asap. Their offer stated clearly that the debt will be considered paid in full, and all CRA reporting will be deleted.
Maybe I'll gain a few points for the New Year!
Thanks to everyone on this forum for your valuable advice!
Congrats Birdwriter!! Way to go!
My DW & I both had simular experiences with RJM... Mine was settled and deleted for 50% and my DW's was settled and deleted for 75%!!
Just so you know...it took little over a month for the TL to be deleted from both of our TU and EX reports.... but they were deleted!!!!
You should change your name from birdwriter to pfd letter writer.
Congrats to you!!