How old is it?
Nothing requires them to accept a PFD. You can keep asking and see if you get someone else. I'd send them an offer in writing rather than negotiating it on the phone, because you're going to have to put it in writing in any event.
Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720Take the FICO Fitness Challenge
