I have a CO with a DOFD of 4/2008. SOL in PA is 4 years. So now that time has passed I'd like to PFD for a settled amount. Has anyone had success with citi? If so please PM me the info. Also, as always, I welcome constructive criticism 
Starting Score: EQ 489 1/2012 TU 493 1/2012
Just to clarify, this is a personal loan.