topic Re: PFD Sucess With RJM in Rebuilding Your Credit

PFD Sucess With RJM

Anonymous — Fri, 12 Dec 2008 19:24:45 GMT

I would like to thank everyone I was able to get RJM to agree to a PFD they even offered to let me pay it out since it is a small amount I am going to pif. But they have sent me the letter stating my offer was accepted. I have noticed it is no longer reporting on the CR eitheir.

Thanks again Guys

Re: PFD Sucess With RJM

llecs — Fri, 12 Dec 2008 19:33:49 GMT

Congrats!

Re: PFD Sucess With RJM

Anonymous — Fri, 12 Dec 2008 19:41:19 GMT

Very good to hear! Congrats

Re: PFD Sucess With RJM

Anonymous — Mon, 15 Dec 2008 19:52:21 GMT

This account being deleted has bumped me up 36pts.

Re: PFD Sucess With RJM

Anonymous — Mon, 15 Dec 2008 20:48:28 GMT

glad to hear it worked!

Re: PFD Sucess With RJM

daisy245 — Tue, 16 Dec 2008 00:28:34 GMT

If you don't mind me asking, how old was your account? I have an old account with them I was thinking about trying to settle with a PFD. I was wondering if it would help my score to pay it, since it's so old.

Re: PFD Sucess With RJM

Anonymous — Tue, 16 Dec 2008 01:30:14 GMT

Congrats I am so glad that you have gotten that removed. May I ask what you did because they advised me that it was against their company policy to PFD. We are talking about RJM Acquisitions?

Re: PFD Sucess With RJM

Anonymous — Tue, 16 Dec 2008 04:30:45 GMT

@daisy245 wrote:
If you don't mind me asking, how old was your account? I have an old account with them I was thinking about trying to settle with a PFD. I was wondering if it would help my score to pay it, since it's so old.

daisy,

an old collection helps your Fico score with account age, but it also depresses greatly and buckets you as a risky customer.

so it's always better to delete old collections when you can.

RJM is great at accepting PFD starting from 25% of the amount and are very fast in deleting.

good luck!!!

Re: PFD Sucess With RJM

Anonymous — Tue, 16 Dec 2008 11:14:27 GMT

After thinking about this more and more. I paid RJM off last year, before I even knew about PFDs or GWs. I paid them off first. But even now I am having a hard time getting them to even report that it has been paid. I have had to send 4 copies of my receipt from them and to the CBs certified mail and for some reason they just dont knw what to do with it even though I have specified it over and over. Oh well life ill go on....

Re: PFD Sucess With RJM

Anonymous — Tue, 16 Dec 2008 18:49:18 GMT

the account was from 2006 I believe. And I used the example PDF I found on this forum. They replied with a sperate letter within a few weeks. In thier letter they did acknowledge my PFD letter they revcieved. And yes this is RJM acquisition. Hope this helps. Thank you all

Re: PFD Sucess With RJM

Jovian — Thu, 18 Dec 2008 03:18:28 GMT

I had a collection with RJM, but after I saw it in my credit report I immediately paid it off, within a month or two. In fact, I contacted them before they had the chance to contact me. I did this before I knew about PFDs. I sent them a GW a few days ago and I hope they delete it from my credit report. I am crossing my fingers. It's the only blemish I have in my report during the last 24 months. I haven't really had a credit card until a year ago, so I am building it up slowly.

Re: PFD Sucess With RJM

Anonymous — Thu, 18 Dec 2008 05:19:41 GMT

This is EXACTLY what I did...I will be interested in finding out how they resolved this for you. Does the OC have any impact on whether or not RJM will PFD?

Re: PFD Sucess With RJM

Anonymous — Thu, 18 Dec 2008 12:11:37 GMT

@Anonymous wrote:
This is EXACTLY what I did...I will be interested in finding out how they resolved this for you. Does the OC have any impact on whether or not RJM will PFD?

No....not at all...the OC most likely have sold the debt....I had a collection with RJM Acquisitons....that I paid off in April...and I did a PFD over the phone with them...bu tnow...I can't get the OC (HSBC).....to honor my GW letters....or anything....really stubborn...