https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Charge-off-PIF-question/m-p/484525#M60664 <P>#1 -- Is the utility company reporting? If so, send PFD. If a CA is reporting, have you DV'd? </P><P>&nbsp;</P><P>#2-- HIPAA-- check out the "recovering from medical debt" board-- see link below.</P> Fri, 17 Apr 2009 23:58:31 GMT Anonymous 2009-04-17T23:58:31Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Charge-off-PIF-question/m-p/484461#M60650 <P>1. I have a utility bill that is reporting on my credit report since 6-04 showing charge off. Should I contact the utility company and try a PFD? Or should I just waiting 2 more years before that falls off?</P><P>&nbsp;</P><P>2. I have 2 paid in full medical collections that also reporting on my credit report showing paid. I've tried sending the GW letters and it had no effect. Their response was it will be reported for the next 7 years etc. What else could I do to try and get these removed?</P><P>&nbsp;</P><P>Any help would be great.</P><P>&nbsp;</P><DIV class="message-edit-history"><SPAN class="edit-author">Message Edited by 700bound09 on </SPAN><SPAN class="local-date">04-17-2009</SPAN><SPAN class="local-time"> 02:58 PM</SPAN></DIV> Fri, 17 Apr 2009 21:58:49 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Charge-off-PIF-question/m-p/484461#M60650 700bound09 2009-04-17T21:58:49Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Charge-off-PIF-question/m-p/484525#M60664 <P>#1 -- Is the utility company reporting? If so, send PFD. If a CA is reporting, have you DV'd? </P><P>&nbsp;</P><P>#2-- HIPAA-- check out the "recovering from medical debt" board-- see link below.</P> Fri, 17 Apr 2009 23:58:31 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Charge-off-PIF-question/m-p/484525#M60664 Anonymous 2009-04-17T23:58:31Z