topic Re: Professional Credit Services PFD in Rebuilding Your Credit

Professional Credit Services PFD

Anonymous — Sat, 01 Aug 2015 21:17:44 GMT

Hello!

I have an unpaid medical collection for $133 (original amount $96) from 7/2/10 with Professional Credit Service. It's on my EX and TU credit reports. I emailed Professional Credit Service with a PFD offer in the amount of $96, here is their emailed response (on their letter head):

PCS # XXXXXXX, Peace Health Laboratories

To Whom It May Concern:

Thank you for your email dated 7/31/2015 regarding an offer to settle your account with Professional

Credit Service in full. After reviewing your letter and our files, we have decided to reject your

settlement offer of $96.00. Instead, we would like to offer you the opportunity to pay this account in full

for $144.91 and will agree to delete from credit.

If you are unable to accept our settlement offer, we would be happy to discuss the other payment options

available to you. You may reach our office at 866-320-6521 to speak with a credit representative.

Sincerely,

Redacted

Consumer Help Desk

Professional Credit Service

This is a communication from a debt collector.

Questions:

Does this response have the correct wording for a PFD?
How much is this actually hurting my credit score?
Should I accept this offer? I'm in Oregon so debt is still within SOL.

Any help is appriciated!

Re: Professional Credit Services PFD

gdale6 — Sat, 01 Aug 2015 22:13:26 GMT

pay it, its a legit offer, keep this letter around going forward. Any collection is going to hurt your Fico score paid or unpaid its the equivalent of a CO. Welcome to My Fico

Re: Professional Credit Services PFD

J91605 — Sun, 02 Aug 2015 06:42:20 GMT

PAY IT NOW!!! ASAP!!! You just got what we all pray for!!

Re: Professional Credit Services PFD

RobertEG — Sun, 02 Aug 2015 07:29:11 GMT

I agree.

Pay ASAP.

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 08:58:44 GMT

Yep pay it.

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 19:53:07 GMT

Thank you for your reply!

I'm a little worried about this working in the letter, "Instead, we would like to offer you the opportunity to pay this account in full

for $144.91 and will agree to delete from credit"

Is this the same as saying they will delete from all credit bureaus?

I'm paranoid the CA is trying to trick me! Ha.

Thanks again.

Re: Professional Credit Services PFD

gdale6 — Sun, 02 Aug 2015 20:26:12 GMT

@Anonymous wrote:
Thank you for your reply!

I'm a little worried about this working in the letter, "Instead, we would like to offer you the opportunity to pay this account in full
for $144.91 and will agree to delete from credit"

Is this the same as saying they will delete from all credit bureaus?

I'm paranoid the CA is trying to trick me! Ha.

Thanks again.

yes all CRAs

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 20:53:53 GMT

Thank you all for your help, it is very much appreciated!

I will be sending a money order to the CA tomorrow via CMRRR and I will update this post once the collection is removed.

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 21:56:45 GMT

Beware of Prof credit services!

I would request in writing on letter head a signed statement with a hand signature that they will indeed "delete" it from your credit report. Otherwise you will be in my situation, fighting them to do what they promised.

Also, they do not negotiate. They will accept nothing less than full payment including interest. I tried on several ocasions. I had a medical emergency a few years back and ended up with three collections with them. Managed to get 2 removed and now I'm fighting to get the third one deleted as they promised.

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 22:15:29 GMT

They emailed an attached letter on company letter head with the wording above. No signature though.

Can't I file a complaint if they don't do as promised?

Re: Professional Credit Services PFD

Anonymous — Sun, 02 Aug 2015 22:26:34 GMT

I wil be calling them tomorrow regarding the one I'm having a problem with. I'll come back here and let you know how it goes.

If you trust the letter you got from them and want to go ahead and give it a shot. Make sure while you are on the phone making payment you also get a verbal confirmation from a supervisor that it will be deleted from all three cra's. Thats what I did on the first two and it worked, they were deleted within 2 days, then I thought, hey, these guys seem to be on the up and up for a collection agency. So I didnt talk to a supervisor on the last one. Now I'm having this problem.

Re: Professional Credit Services PFD

gdale6 — Mon, 03 Aug 2015 00:07:54 GMT

@Anonymous wrote:
I wil be calling them tomorrow regarding the one I'm having a problem with. I'll come back here and let you know how it goes.

If you trust the letter you got from them and want to go ahead and give it a shot. Make sure while you are on the phone making payment you also get a verbal confirmation from a supervisor that it will be deleted from all three cra's. Thats what I did on the first two and it worked, they were deleted within 2 days, then I thought, hey, these guys seem to be on the up and up for a collection agency. So I didnt talk to a supervisor on the last one. Now I'm having this problem.

Should they renig you can file a complaint with the BBB for shoddy business practices, file a complaint with the CFPB or send them an ITS letter (Intent to sue) for breech of contract as that is what you have.

Re: Professional Credit Services PFD

Anonymous — Wed, 05 Aug 2015 07:35:40 GMT

Any luck on your pfd?

Im still waiting for mine to be deleted. Called two days ago and they said it was marked for deletion and that I should receive a confirmation letter but nothing so far.

Last time it took two days and it was gone. This time is taking forever. They did update the account as paid/closed. thats why I called. Why update it if your going to delete it? Going to call again tomorrow