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WOW,
Personally I have had a couple successes. I recommend putting "PFD successes" into the search bar. There are many stories of success. I would list who you are trying to get a PFD from and see if anyone has had any luck with them. Good luck.
@Anonymous wrote:
When you do use them make sure not to use all CAPS, the CA's might not take it too well
Not just them, I find CAPS annoying and rude when I encounter it in daily use even. Couple of words for emphasis, I get, but otherwise its just bad netiquette.
I have success with 2 PFD's. One I did for about 30% of the balance and the other I paid for 60% of the balance. The only reason I was able to pay @30% on the one balance is that it was due to come off my report in about 9- 11 months so I had a little leverage. I would very rarely pay more than @70% of a balance for a PFD. It is also generally more safe to get the PFD in writing so the CA doesn't try to screw you over.