Re: PFDs and GWs
11-17-2012 12:59 AM
Excellent points, Shogun.
Just to emphasize the importance of the points made, including discussion of contested issues in a PFD will often lead to their treatment of the PFD as a dispute, resulting in a return letter asking for more information to support your "dispute," and worse yet, causing them to report a pending dispute to the CRAs, thus removing certain items from your credit scoring.
While this is a tactic typically used by some debt collectors to blow off DVs by considering them as disputes, it also filters over into the PFD process.
Try to word your letter so as not to provide an interpretation that it is a dispute.