topic AM I WASTING MY TIME IN ASKING CALVARY PORTFOLIO A PFD in Rebuilding Your Credit https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508883#M66553 Hi everyone last week I sent out2 pfd letters to calvary portfolio in which I owe $456.00, one to the CEO and another addressing supervisor of collections.&nbsp; Yesterday I only recieved a letter about an 80% settlement offer on this account.&nbsp; What is going on, you would think they would want all the money and if will not do a pfd just let me know.&nbsp; I do know I owe this account from Sprint what does anyone out there think should I send more pfd letters or just send a letter of dv and then pfd.&nbsp; Thanks for any information. Sat, 23 May 2009 11:40:02 GMT tray 2009-05-23T11:40:02Z AM I WASTING MY TIME IN ASKING CALVARY PORTFOLIO A PFD https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508883#M66553 Hi everyone last week I sent out2 pfd letters to calvary portfolio in which I owe $456.00, one to the CEO and another addressing supervisor of collections.&nbsp; Yesterday I only recieved a letter about an 80% settlement offer on this account.&nbsp; What is going on, you would think they would want all the money and if will not do a pfd just let me know.&nbsp; I do know I owe this account from Sprint what does anyone out there think should I send more pfd letters or just send a letter of dv and then pfd.&nbsp; Thanks for any information. Sat, 23 May 2009 11:40:02 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508883#M66553 tray 2009-05-23T11:40:02Z Re: AM I WASTING MY TIME IN ASKING CALVARY PORTFOLIO A PFD https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508887#M66555 <P>Sprint as in cell phone?</P><P>&nbsp;</P><P>What is the DOFD? Is it out of SOL?</P> Sat, 23 May 2009 11:42:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508887#M66555 Anonymous 2009-05-23T11:42:43Z Re: AM I WASTING MY TIME IN ASKING CALVARY PORTFOLIO A PFD https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508888#M66556 You should always DV before PFD'ing. Sat, 23 May 2009 11:43:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/AM-I-WASTING-MY-TIME-IN-ASKING-CALVARY-PORTFOLIO-A-PFD/m-p/508888#M66556 Anonymous 2009-05-23T11:43:05Z