@Anonymous Another good thing is 4 of those are around the 500 price which is a LOT doable start with baby steps knock one off at a time so you can also see progress and growth 
They recommend shooting for 60% or more when asking for a PFD, but for the lower amounts it may be best to see if you can PIF one at a time. You can do it!!
@Anonymous PFD is Pay for Delete, so the ones you PIF or (if they agree to an amount to remove it completely) Just be sure to get in writing via email or snail mail ((I do recommend email)) lol that they will remove it from ALL 3 of your CB's that way you have that documentation to fall back to if for whatever reason it pops back up after being removed. ^^ They may depending on who you speak with ask that you pay before they send out the email (which may be scary I know) but stay on the phone with them while you pay and wait for the email to show up and also be sure to get the direct line the name and the supervisors name of the person so you can reach them back directly if there is an issue or you are disconnected etc. 
@Anonymous Now it can also take 1-3 months for it to fall off of 1/2 or even all 3 but I would say a good rule is usually by 3 months after the month you asked you should see it gone gone
@Anonymous wrote:Ahh pay for delete! Got it. Thank u!
so call midland or portfolio directly? Not original creditor right? Won't that extend the falloff date? Just curious about that
You don't even have to call midland. Just go to their website and it will list all of the collections and give you settlement options. You can then call in if you want to negotiate.
Hi, this is in no way in relation to your question and I apologize for that. But we've all been new here and I see you were asking about meanings of PFD... this saved my life when I first joined lol I'm sure you'll find it helpful @Anonymous
https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458
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