https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice-Please-Who-to-pay/m-p/564939#M81393 <P>If the OC still owns the debt see if you can work with them.&nbsp; If they agree to payment see if they will recall the account from the CA.</P><P>&nbsp;</P><P>If the CA owns the account, first, send them a DV and if they validate ask for a PFD.&nbsp; This will only take care of their TL not the OCs.</P><P>&nbsp;</P><P>What is the DOFD and SOL on the accounts?</P> Sun, 30 Aug 2009 04:58:04 GMT Anonymous 2009-08-30T04:58:04Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice-Please-Who-to-pay/m-p/564911#M81383 <P>I have several charge offs listed on my credit report.&nbsp; Also, the collection agencies for the same debts are on there as well.&nbsp; Who should I send a PFD letter to?&nbsp; Does this work with the OC or just CA's?</P><P>&nbsp;</P><P>Who should I settle with and try and PFD?&nbsp; Help????</P> Sun, 30 Aug 2009 03:30:16 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice-Please-Who-to-pay/m-p/564911#M81383 luvlymee 2009-08-30T03:30:16Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice-Please-Who-to-pay/m-p/564939#M81393 <P>If the OC still owns the debt see if you can work with them.&nbsp; If they agree to payment see if they will recall the account from the CA.</P><P>&nbsp;</P><P>If the CA owns the account, first, send them a DV and if they validate ask for a PFD.&nbsp; This will only take care of their TL not the OCs.</P><P>&nbsp;</P><P>What is the DOFD and SOL on the accounts?</P> Sun, 30 Aug 2009 04:58:04 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Advice-Please-Who-to-pay/m-p/564939#M81393 Anonymous 2009-08-30T04:58:04Z