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    <title>topic How to handle these  baddies ? in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647517#M99723</link>
    <description>&amp;nbsp;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Collection for all baddie&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Creditor Name:&lt;/STRONG&gt;&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;LINDYS COLL&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;LINDYS COLLECTION SERV&amp;nbsp;&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt; &lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Original Creditor: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;11 COMCAST FDBA TIME WARNER CABLE&lt;/SPAN&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt; &lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Responsibility: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;Individual&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;Individual&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Condition: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;Derogatory&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;Derogatory&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Original Balance: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Balance: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Date Opened: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;10/24/2008&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;10/2008&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Da&lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;te Reported: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;/P&gt;&lt;SPAN class="contentMedium"&gt;01/12/2009&lt;/SPAN&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;01/12/2009&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;Tried PFD but collection agencies said they dont do that . What to do ? Pay it anyway &lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;IMG border="0" height="4" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;IMG border="0" height="2" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;IMG border="0" height="4" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;</description>
    <pubDate>Tue, 09 Mar 2010 19:04:27 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2010-03-09T19:04:27Z</dc:date>
    <item>
      <title>How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647517#M99723</link>
      <description>&amp;nbsp;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Collection for all baddie&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Creditor Name:&lt;/STRONG&gt;&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;LINDYS COLL&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;LINDYS COLLECTION SERV&amp;nbsp;&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt; &lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Original Creditor: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;11 COMCAST FDBA TIME WARNER CABLE&lt;/SPAN&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt; &lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Responsibility: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;Individual&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;Individual&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Condition: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;Derogatory&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;Derogatory&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Original Balance: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Balance: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;$108&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;&amp;nbsp;&lt;/SPAN&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Date Opened: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;10/24/2008&lt;/SPAN&gt; &lt;SPAN class="contentMedium"&gt;10/2008&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;IMG border="0" height="2" alt="-" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;Da&lt;/STRONG&gt;&lt;/SPAN&gt;&lt;SPAN class="contentMedium"&gt;&lt;STRONG&gt;te Reported: &lt;/STRONG&gt;&lt;/SPAN&gt;&lt;/P&gt;&lt;SPAN class="contentMedium"&gt;01/12/2009&lt;/SPAN&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;01/12/2009&lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;SPAN class="contentMedium"&gt;Tried PFD but collection agencies said they dont do that . What to do ? Pay it anyway &lt;/SPAN&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;IMG border="0" height="4" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;IMG border="0" height="2" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;&lt;IMG border="0" height="4" width="4" src="http://ficoforums.myfico.com/images/shared/cncr/clear.gif" /&gt;</description>
      <pubDate>Tue, 09 Mar 2010 19:04:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647517#M99723</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2010-03-09T19:04:27Z</dc:date>
    </item>
    <item>
      <title>Re: How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647539#M99732</link>
      <description>&lt;P&gt;Do you know the DOFD? Do you know if its past SOL? I would continue to send the PFDs maybe once a week. Never give up, persistence is the key!&lt;/P&gt;</description>
      <pubDate>Tue, 09 Mar 2010 19:50:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647539#M99732</guid>
      <dc:creator>Schoolbuskid</dc:creator>
      <dc:date>2010-03-09T19:50:58Z</dc:date>
    </item>
    <item>
      <title>Re: How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647598#M99752</link>
      <description>I agree...persistence is key!!! You can get 100 'no's...but it only takes 1 'yes'....keep trying</description>
      <pubDate>Tue, 09 Mar 2010 21:36:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647598#M99752</guid>
      <dc:creator>TugChris</dc:creator>
      <dc:date>2010-03-09T21:36:27Z</dc:date>
    </item>
    <item>
      <title>Re: How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647828#M99850</link>
      <description>If you can pay in full, send them a DV letter.&amp;nbsp; If they validate, send a PFD.</description>
      <pubDate>Wed, 10 Mar 2010 02:13:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647828#M99850</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2010-03-10T02:13:53Z</dc:date>
    </item>
    <item>
      <title>Re: How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647859#M99855</link>
      <description>AC denied PFD . Paid this afternoon . Settled but AC said it will be listed as full . I am thinking abot sending GW&amp;nbsp; to OC&amp;nbsp;after</description>
      <pubDate>Wed, 10 Mar 2010 03:08:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647859#M99855</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2010-03-10T03:08:53Z</dc:date>
    </item>
    <item>
      <title>Re: How to handle these  baddies ?</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647861#M99857</link>
      <description>&lt;P&gt;If the OC is not reporting a GW will not help you.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Send the GW to someone at the CA.&lt;/P&gt;</description>
      <pubDate>Wed, 10 Mar 2010 03:13:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/How-to-handle-these-baddies/m-p/647861#M99857</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2010-03-10T03:13:57Z</dc:date>
    </item>
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