When to use PFD letter or other letters?

[Anonymous]

I have paid the collections on my credit report some of them with settlement and a few others were small amounts 75 each (medical copayments).  Can I use the PFD letter or can I do something else to help improve the scores.  I am new to this website, any help will be appreciated. 

Also,  I have a few medical collections that I am waiting for the HMO insurance to paid.  While finding information from one of the hospitals a lady told me that I can ask the collection agency to remove that from my credit since I had health insurance and they were supposed to submitt a claim and they did not submitted the claim to the HMO.  Is that true.....How it works?

[Tuscani]

You should use the GW letter for paid collections.

[Anonymous]

Tuscani, so the PDF letter is before I pay.  I am going to try sending the GW letter to all of them to see....Thanks

[Tuscani]

Yes.. a PFD is before you pay.. you have no leverage with a PFD once they have your money.

[Anonymous]

Tuscani,  Do you know if there is some info on health insurance (HMO) I have some old accounts in collection and the insurance is paying them...Which letter should I sent to them?  Thanks

[Tuscani]

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ncyjse wrote:

Tuscani,  Do you know if there is some info on health insurance (HMO) I have some old accounts in collection and the insurance is paying them...Which letter should I sent to them?  Thanks

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Medical collections an entirely difference beast. Do some research on medical collections and HIPPA on Google.

[Anonymous]

Awesome letter!! I have 2 questions for you.

1 - Can I tweak this and use it for credit card accounts that have been closed but not yet sent to collections?

2 - Which agency should I send this to? Some of my charge offs have been resold and the original creditor shows up as a negative, as does the first and sometimes second and 3rd collection agency. If the current owner of the debt signs the letter and I pay them, what recourse, if any do I have to get the other reports on the same debt, off.

Thanks again!