11-13-2012 08:56 PM
11-14-2012 05:13 PM
I haven't dealt with them. Write a PFD for them. Keep it sweet and simple. Give them a quick hardship and offer to pay. Remember not to acknowledget the debt. PFDs are a type of GW agreement, so write it with that in mind.
11-14-2012 10:55 PM
I can tell you that when speaking to LHR they did agree to PFD for me, however I decided not do deal with them and went straight to OC which worked out since OC and LHR is now gone from my report and it actually costed me nothing! However I was almost willing to accept their PFD and it was a PFD for about 37% of the total as well. YMMV with success, however the debt was past SOL and almost 8 months away from falling off so maybe that's why they were doing a PFD for so cheap.
11-15-2012 10:20 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO