@RobertEG wrote:If the account and debt are legitimate, they can report at any time provided their reporting is not knowingly inaccurate.
So I dont see a basis for dispute or inappropriate reporting.
I assume that any DV at this point would be untimely, so they have no restrictions should you DV.
It appears that offering a PFD is your option, and acceptance is their option.
oh god. well, ok. i have nothin to lose at this point