https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256229#M7644 Any I though my cousins $17 collection was ridiculous...I think you should offer a PFD...and they should be ashamed of themselves...if they don't accept... Wed, 04 Jun 2008 17:41:31 GMT Anonymous 2008-06-04T17:41:31Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256174#M7625 So I have this stupid collection from Asset Acceptance for $3.<BR /><BR />Originally it was a GEMB/Men's Warehouse line of credit that went to collections. The account was sold to a Asset Acceptance, and sold to to another CA and to another and finally to a place called Intelenet Global, which is who I paid the $180 to have it settled... unfortunately at the time I didn't know what a PFD was, so I just paid them via CC over the phone.<BR /><BR />After getting my reports and attacking my baddies, I saw that I had the original charged off account from GEMB and a collection from Asset Acceptance with a balance of $3 (nothing from Intelenet). So I DV'd and Disputed with the CRA. Debt came back validates but the balance was updated from $3 to $0.<BR /><BR />Fast forward a few months later and it now shows up with a $3 balance again!<BR /><BR />Any chance Asset would accept a PFD for $3? What about the fact that it went to 0 and is now back to 3, does that give me anything to use with the CRA's in showing that it's not a valid debt? (I also have proof of payment to the final CA). Wed, 04 Jun 2008 17:13:14 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256174#M7625 ChuckG 2008-06-04T17:13:14Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256177#M7626 <DIV>Oh...I'd definately do the PFD...I'd even offer to buy them subway for lunch if they'd do it immediately!! It'll only cost ya $10 total!&nbsp; <img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></DIV> Wed, 04 Jun 2008 17:15:58 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256177#M7626 BungalowMo 2008-06-04T17:15:58Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256229#M7644 Any I though my cousins $17 collection was ridiculous...I think you should offer a PFD...and they should be ashamed of themselves...if they don't accept... Wed, 04 Jun 2008 17:41:31 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-for-3/m-p/256229#M7644 Anonymous 2008-06-04T17:41:31Z