topic Re: Sending PFD Letters in Rebuilding Your Credit

Sending PFD Letters

fricnfrac1 — Sun, 06 Jun 2010 10:39:55 GMT

In a nutshell, have some smaller medical collections, between $21 and $150.00 that I want to PIF. These items are from 2005 and up, most recent might

be 2007. (Stevens Business Services). I live in NH, the SOL is 3 years for these accounts.

The accounts were sent to an outside agency.

I want to make sure I do this correctly.

Send a DV letter.

Wait for response

Then send PFD letter.

I know paying these accounts may not bump my fico up at all, but if I ever need a manual review for something, I suppose the report will look cleaner.

Thanks for any advice.

Re: Sending PFD Letters

Anonymous — Mon, 07 Jun 2010 14:45:02 GMT

HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter. If you want to pursue that route, you should NOT contact the CA.

Re: Sending PFD Letters

Anonymous — Mon, 07 Jun 2010 14:48:15 GMT

@Anonymous wrote:
HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter. If you want to pursue that route, you should NOT contact the CA.

Not an entirely true statement. Many times the HIPAA process does not work. It does not hurt to try but it is not an absolute.

Re: Sending PFD Letters

Anonymous — Tue, 08 Jun 2010 20:38:03 GMT

It sure feels true when TU deletes things you didn't even include in your pre-HIPAA letter! Although, yes, I suppose that I can only speak to my experience.

guiness56 wrote:
mauve wrote:
HIPAA will get them deleted from TU regardless of payment status, with the pre-HIPAA letter. If you want to pursue that route, you should NOT contact the CA.
Not an entirely true statement. Many times the HIPAA process does not work. It does not hurt to try but it is not an absolute.