Established Member
Posts: 1,162
Registered: ‎01-22-2008
Re: (First Time Poster) I Have 3 Paid in Full Collection Accounts. Please Give Guidance on First S



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. 

CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16