Assigned to CA vs Sold

[FicoJordan]

Final Question: 

So from what im getting from your answers the CA would be the one I would write a PFD for. .  I asked  in another thread about  sending a PFD to an executive contact of this CA.  Ive seen a couple of PFD samples on here and all of them seem a little harsh.

Would being demanding, straight-to-the-point, or quoting  FCRA guidelines a good idea when it comes to dealing with a ceo or vp?  Shouldn't I be a little softer? 

(ok 2 questions) 

[guiness56]

Yes, do not use those PFD letters.  They come across harsh, demanding and threatening.  No way would you demand a timeline for something you are asking a favor for.

A PFD is a type of GW so definitely be a little softer. 

You may also want to include something along the lines of:  I do not acknowledge nor dispute account #_____.  But in the spirit of compromise.......

[FicoJordan]

ok thanks again. Will look into sending them something this afternoon. Wish me luck and I will keep you posted.

[guiness56]

Good luck and yes, let us know the outcome.

By the way, if they say no the first time, keep sending them.  You may get 100 nos, but it only takes 1 yes.

[FicoJordan]

Would paying it show up as a new debt and bring my scre down?

[Shogun]

Paying an old debt should never lower your score.  However, it sometimes does depending on how it updates.  If it hasn't been updated in a few years and suddenly does, it looks newer.  However the paying of the debt is always a good thing in my opinion.  It removes problems that can arise down the road.

[guiness56]

No, not a new debt.  If they don't delete it could possibly update and drop your score.  Sometimes it does, others it doesn't.

If you get a PFD, they will delete the TL and your score should go up, depending on other things on your CR.