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    <title>topic DV, PFD or what? in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/DV-PFD-or-what/m-p/566278#M81711</link>
    <description>&lt;P&gt;Hi, I recently received a letter from a local CA Creditors bureau associates of georgia collection division&amp;nbsp; regarding a deliquent credit union account with xx credit union that I had stopped using but something I was unaware of charged the account and made it go negative and was eventually closed as a charge-off. &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;On my Experian credit report, the account is listed as a potentially negative closed account with the following:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Account Name: XX federal credit&lt;/P&gt;&lt;P&gt;Account Type:&amp;nbsp; Unknown - credit extension, review or collection&lt;/P&gt;&lt;P&gt;Date opened: 11/1/2004&lt;/P&gt;&lt;P&gt;Account status: closed&lt;/P&gt;&lt;P&gt;Payment status: Charge-off&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What I am asking is should I DV or PFD the OC or the CA or both? &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks&lt;/P&gt;</description>
    <pubDate>Wed, 02 Sep 2009 00:37:59 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2009-09-02T00:37:59Z</dc:date>
    <item>
      <title>DV, PFD or what?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/DV-PFD-or-what/m-p/566278#M81711</link>
      <description>&lt;P&gt;Hi, I recently received a letter from a local CA Creditors bureau associates of georgia collection division&amp;nbsp; regarding a deliquent credit union account with xx credit union that I had stopped using but something I was unaware of charged the account and made it go negative and was eventually closed as a charge-off. &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;On my Experian credit report, the account is listed as a potentially negative closed account with the following:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Account Name: XX federal credit&lt;/P&gt;&lt;P&gt;Account Type:&amp;nbsp; Unknown - credit extension, review or collection&lt;/P&gt;&lt;P&gt;Date opened: 11/1/2004&lt;/P&gt;&lt;P&gt;Account status: closed&lt;/P&gt;&lt;P&gt;Payment status: Charge-off&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;What I am asking is should I DV or PFD the OC or the CA or both? &amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks&lt;/P&gt;</description>
      <pubDate>Wed, 02 Sep 2009 00:37:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/DV-PFD-or-what/m-p/566278#M81711</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2009-09-02T00:37:59Z</dc:date>
    </item>
    <item>
      <title>Re: DV, PFD or what?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/DV-PFD-or-what/m-p/566404#M81734</link>
      <description>&lt;P&gt;Welcome to the forums!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Please raed the following links.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;amp;thread.id=28996&amp;amp;jump=true" target="_blank"&gt;What Steps Do I Take&lt;/A&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;amp;thread.id=38198&amp;amp;jump=true" target="_blank"&gt;State Resources&lt;/A&gt; &lt;/P&gt;</description>
      <pubDate>Wed, 02 Sep 2009 03:46:16 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/DV-PFD-or-what/m-p/566404#M81734</guid>
      <dc:creator>fused</dc:creator>
      <dc:date>2009-09-02T03:46:16Z</dc:date>
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