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    <title>topic Re: Specialized Collections PFD in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3393433#M362283</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.&lt;/BLOCKQUOTE&gt;&lt;BLOCKQUOTE&gt;&lt;STRONG&gt;CONGRATS!!!&lt;/STRONG&gt; &amp;nbsp;I had a medical collections account for $820 with that EXACT same company. &amp;nbsp;I tried the PFD option but they wouldn't accept. &amp;nbsp;After disputing for two months or so with them and the bureaus they were unable to present documents which established the debt as mine and were FORCED&amp;nbsp;to DELETE &lt;STRONG&gt;without&lt;/STRONG&gt; payment! &amp;nbsp;I AM SO HAPPY I didn't have to pay anything, and they're just a bad memory... &amp;nbsp;So often, these collections agencies are unable to validate ANYTHING and they scare individuals into believing they owe them when they do not.&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Sun, 31 Aug 2014 15:22:01 GMT</pubDate>
    <dc:creator>ERoosky99</dc:creator>
    <dc:date>2014-08-31T15:22:01Z</dc:date>
    <item>
      <title>Specialized Collections PFD</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/2769513#M318336</link>
      <description>I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.</description>
      <pubDate>Tue, 28 Jan 2014 15:42:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/2769513#M318336</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-01-28T15:42:04Z</dc:date>
    </item>
    <item>
      <title>Re: Specialized Collections PFD</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/2769575#M318343</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats on your successful PFD! It's always satisfying to look at your CR and be minus a collection.&lt;/P&gt;</description>
      <pubDate>Tue, 28 Jan 2014 16:27:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/2769575#M318343</guid>
      <dc:creator>-NewGuy-</dc:creator>
      <dc:date>2014-01-28T16:27:36Z</dc:date>
    </item>
    <item>
      <title>Re: Specialized Collections PFD</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3392697#M362238</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/764813"&gt;@-NewGuy-&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats on your successful PFD! It's always satisfying to look at your CR and be minus a collection.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;BR /&gt;I am dealing with them. Have not contacted yet. I have 3 medical collections there. Would be a big monkey off my back.&lt;/P&gt;</description>
      <pubDate>Sun, 31 Aug 2014 02:31:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3392697#M362238</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2014-08-31T02:31:18Z</dc:date>
    </item>
    <item>
      <title>Re: Specialized Collections PFD</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3393177#M362273</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Congrats!&lt;/P&gt;</description>
      <pubDate>Sun, 31 Aug 2014 11:34:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3393177#M362273</guid>
      <dc:creator>Whitneyy</dc:creator>
      <dc:date>2014-08-31T11:34:13Z</dc:date>
    </item>
    <item>
      <title>Re: Specialized Collections PFD</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3393433#M362283</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;I wrote them a letter and offered PIF PFD and the very nice lady sent me a letter accepting the PFD. I called her today and paid and she is sending the universal data form to the bureaus. If anyone needs a contact there PM me. Very nice people to deal with. They are in Houston. Not sure if they only work locally.&lt;/BLOCKQUOTE&gt;&lt;BLOCKQUOTE&gt;&lt;STRONG&gt;CONGRATS!!!&lt;/STRONG&gt; &amp;nbsp;I had a medical collections account for $820 with that EXACT same company. &amp;nbsp;I tried the PFD option but they wouldn't accept. &amp;nbsp;After disputing for two months or so with them and the bureaus they were unable to present documents which established the debt as mine and were FORCED&amp;nbsp;to DELETE &lt;STRONG&gt;without&lt;/STRONG&gt; payment! &amp;nbsp;I AM SO HAPPY I didn't have to pay anything, and they're just a bad memory... &amp;nbsp;So often, these collections agencies are unable to validate ANYTHING and they scare individuals into believing they owe them when they do not.&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Sun, 31 Aug 2014 15:22:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Specialized-Collections-PFD/m-p/3393433#M362283</guid>
      <dc:creator>ERoosky99</dc:creator>
      <dc:date>2014-08-31T15:22:01Z</dc:date>
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