Does the information in that PFD sample written by Tuscani work? Since it was back in 2007, I know things have changed since then, so iwas wondering if it was still up to date.
And something my husband brought up: If a PFD works, but we write a GW letter to the OC, can that be interpreted as acknowledging the debt? I know that in Tuscani's letter it says that there is no acknowledgment of debt.
Thank you!
Starting Score: 588
Who is the PFD for? If the PFD is accepted, the account is paid. It doesn't matter if there's an acknowledgment. Is it just the OC or is there a CA involved? If you PFD the CA, then GW the OC. Once again, the debt is paid, they can't make you pay it again.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.