Removing a Charge-Off

[PayYouNever]

is there any leverage with an OC in offering to PFD the balance that WAS NOT settled in a charge-off? I.e. I settled with Citiank $1050 for $1575 balance, can I PFD Citiank for the remaining $515 that I still technically owe them?

If I could get those Charge-Offs deleted, then I'd be in the mid600s.

[Anonymous]

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PayYouNever wrote:
is there any leverage with an OC in offering to PFD the balance that WAS NOT settled in a charge-off? I.e. I settled with Citiank $1050 for $1575 balance, can I PFD Citiank for the remaining $515 that I still technically owe them?

If I could get those Charge-Offs deleted, then I'd be in the mid600s.

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Never hurst to ask but most crediotrs have recently begun taking a hardline stance against PFD.