Frequent Contributor
Posts: 291
Registered: ‎02-25-2012
Re: Is this a PFD reply, or is it not? Need some help!

That's lovely. They will delete. when I began my credit repair journey a little over 2 months ago, I actually sent all PFD's FIRST because I wanted to fastest method of getting these items removed and knew we had several old medical debts hanging out there and didn't feel like trying to figure out which were which and which were valid, etc, etc.


In hindsight, after two medical collections deleted themselves after failing to respond to a PFD, but then deleted after a DV was sent...I should have gone that route first. I know the DV isn't "timely" in a lot of cases, but CA's who play fast and loose with their record keeping seem to fold when they know they might be met with a challenge.

2/24 (Lender Pull) EQ 613, TU 553, EX 589
April EQ 633, My Fico TU 638, EX ??
Current EQ 643, TU 652, EX 633 (lender pull 5/11)
Goal (we made it!!)- Over 640 middle by 5/15