SmorgasBoard

[sidewinder]

Seeing how the guidelines/TOS whatever states that the only credit repair that can be discussed is how to remove ACTUAL errors, not legit accounts.....doesn't discussing PFD's violate that?

Just curious as to what everyone else thinks.

[cheddar]

It is definitely a fine line.

PFDs and GWs are acceptable for discussion because they are merely requests for a CA or an OC to willingly enter into an agreement with the consumer.  If the CA or OC does so, that is a business decision they have made willingly.  A CA or an OC always has the option of saying "no" to a PFD or GW request.

Other tactics that involve blatant dishonesty or other unethical means are, of course, not acceptable topics for discussion here.

Message Edited by cheddar on 05-02-2008 01:11 PM

[fused]

---

cheddar wrote:

PFDs and GWs are acceptable for discussion because they are merely requests for a CA or an OC to willingly enter into an agreement with the consumer.  If the CA or OC does so, that is a business decision they have made willingly. 

---

Yup, I agree! With PFDs and GWs, debtors are not manipulating their creditors or CRAs. Disputing accurate items on CRs is whole different ball of wax.

[MidnightVoice]

And in both cases one is admitting that one owes the money

[masdeocho]

---

MidnightVoice wrote:

And in both cases one is admitting that one owes the money

---

Well, technically ... in the PFD letters floating around here, one specifically states that one does NOT admit liability for the debt... 

[MidnightVoice]

---

masdeocho wrote:

---

MidnightVoice wrote:

And in both cases one is admitting that one owes the money

---

Well, technically ... in the PFD letters floating around here, one specifically states that one does NOT admit liability for the debt... 

---

True, but at least some payment id being offered.

[masdeocho]

---

MidnightVoice wrote:

---

masdeocho wrote:

---

MidnightVoice wrote:

And in both cases one is admitting that one owes the money

---

Well, technically ... in the PFD letters floating around here, one specifically states that one does NOT admit liability for the debt... 

---

True, but at least some payment id being offered.

---

Yes, I know nothing about this debt but I'll pay just to get rid of it.

[haulingthescoreup]

PFD'a and GW are business deals, entered into willingly by both parties, who understand what is going on. No intent to deceive on either side. Although as this is arguable in the instance of CA's, agreements in writing are always advised!