Rebuilding Your Credit

[adio413]

what would i say to have a successful PDF over the phone? i know i shouldn't admitt that the debt is mine. would it even be wise to roll the dice on this technique? i don't think my PDF letters are gettin me anywhere............

[adio413]

ttt

[Booner72]

Hello. I would like to arrange to pay this debt in exchange for deletion from all three credit reports, I will need an email agreeing this this.

They will say we don't do this blah blah

You will ask for a supervisor and ask again. If they say no, you will have to resort to writing or emailing or faxing. In fact, try them all. I've gotten quite a few GW's over the phone...just be really nice as they are doing you a favor.

Why cant you admit it your debt if you are going to pay it anyway?

[RobertEG]

First check your state SOL statute and see if it has a reset provision based on payments or firm offers to pay.

PFDs are negotiation offers.  Personal negotiations may well speed the process.  Just dont admit to the debt.  Just say you are offering to pay, not as admission of the debt, but rather simply to resolve the matter.

[Middleswarth]

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Booner72 wrote:


Why cant you admit it your debt if you are going to pay it anyway?

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My understanding is admitting to the debt could reset the SOL in some states.  

Someone please correct me if I'm wrong

[adio413]

thank you all

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