It's always ideal to try to fix things with the OC if it's a possibility. It's usually also easier to get a settlement with the OC. Many people work out settlements in conjunction with the PFD but it's not always a given and depends on individual circumstances and the particular OC. Make sure your new PFD offer details that the agreement includes removing both OC and CA reporting.
EQ 787 EX 781 TU 737 11/17/07
*** I am not an attorney. If I was, I might not clip coupons. If you want legal advice, consult an attorney. If you want my personal opinion, feel free to consider my posts***