Established Contributor
Posts: 553
Registered: ‎11-10-2012
Pay For Delete (many questions)

Can I ask to settle for 30% in a PFD letter?

Can I send through email?

Will they respond in writing so that I have proof of agreement?

Can I use a PFD letter for medical judgments?

I have 2 collection accounts PIF. How do I get them to remove it from my CR?

How long does the whole process usually take on average?

Should I write PFD letters for account scheduled to fall off in less than a year? (I really don't want to)


Sorry for all the questions. I'm new at this. :smileyhappy:

Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (4/16/14): TU 675 | EX 654 | EQ 661
Goals: 680 across the board by 3/2015. Credit freeze x 3 on 10/16/13. Inqs - EX(31➡️29); EQ(36➡️34); TU(27➡️24)... Last app 7/7/14 for auto loan...
*** Homeowner 9/27/13***