https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Possibly-a-PFD/m-p/4794793#M512336 I would suggest the first attempt be a written PFD and sent thru the mail. You could also attempt to get the OC to recall the collection in exchange for payment. Fri, 18 Nov 2016 01:47:43 GMT gdale6 2016-11-18T01:47:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Possibly-a-PFD/m-p/4793642#M512191 So I sent a DV to a company called Fidelity they responded with documents from a payday advance I took out in 2013 original loan amount was $215 and they charged a $35 return check fee.<BR /><BR />I would like to do a PFD for this account I just want to know the best was to do this in writing. This company was actually sued 4 years ago for reporting accounts to the CRA's when they've been paid years prior (this isn't the case for mine but just for information).<BR /><BR />I would like to offer them the original amount financed which was $215 as well as do a PFD this account is from 2013.<BR /><BR />What do you think is the best way I could do this?<BR /><BR /><BR /><BR /> Wed, 16 Nov 2016 20:03:39 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Possibly-a-PFD/m-p/4793642#M512191 Anonymous 2016-11-16T20:03:39Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Possibly-a-PFD/m-p/4794793#M512336 I would suggest the first attempt be a written PFD and sent thru the mail. You could also attempt to get the OC to recall the collection in exchange for payment. Fri, 18 Nov 2016 01:47:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Possibly-a-PFD/m-p/4794793#M512336 gdale6 2016-11-18T01:47:43Z