Re: (First Time Poster) I Have 3 Paid in Full Collection Accounts. Please Give Guidance on First S
04-24-2012 03:04 PM
DV = Debt Validation - sent to the collection agency to determine they own the account and have the authority to collect on it.
GW = Goodwill - sent to the original creditor or collection agency requesting GW deletion of an account, or account info.
PFD = Pay for Deletion - agreement to pay debt in exchange for deletion.
These negative accounts are already paid so all you can do is send GW letters to whoever is reporting and request the negative information be deleted. You can't dispute the accounts unless there is something incorrect about them. Like if it was still reporting a balance after being paid in full.
Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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