No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Mod @Remedios already has one. Search bar above is useful. I agree a sticky above. Whatdoyathink Remy?
https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Collection-agencies-that-do-PFD/td-p/5675391
It's fine if we bump it when we need it.
Helping a poster and found another that PFD's.
Plaza Collections will delete:
"We delete all trade lines for accounts that satisfy the balance after 2-years from the date of delinquency as reported on your trade line. An account is considered satisfied if the account is paid-in-full or settled for a lesser amount."
You can make payments online and use a CC. https://plazaservicesllc.com/payments/
Updated. Thank you
This is a great thread! Thanks @Remedios
We can add Deville asset management to the PFD list.
today I called them and negotiated a 12k, 3.5/4 year old collection to settle for 5k, and delete within 48 hours.
Very easy to work with CSR, I asked what settlement offers they had if I paid a lump sum today and to send me an email letter that they will delete upon payment. She asked a manager, said yes 5k, I had the email within 15mins, paid over the phone.
@Mdg1307 wrote:We can add Deville asset management to the PFD list.
today I called them and negotiated a 12k, 3.5/4 year old collection to settle for 5k, and delete within 48 hours.
Very easy to work with CSR, I asked what settlement offers they had if I paid a lump sum today and to send me an email letter that they will delete upon payment. She asked a manager, said yes 5k, I had the email within 15mins, paid over the phone.
Congrats. that is very quick.
Thanks for doing this!
JOINED 4/2020
FICO 8 = 582, 620, 589 / Mortgage = 633, 526, 581
CURRENT PEAK *Thanks to the MF Community!
FICO 8 = 715, 711, 720 / Mortgage = 688, 696, 681
List is updated..
Thank you all for your contributions
@Remedios wrote:Please feel free to add your own experience with collection agencies and I'll try to keep the list current.
One big caveat to this list are medical collections. There are other possible ways of dealing with those, so if your CA is not on the "will delete" list, it's still possible to get them removed.
Will delete
LVNV - Changed policy, deletes now. YAY
Portfolio Associates - will delete per statement on their website. Installment payments and settlements get deleted, too
Midland Collections - will delete 2 years after DOFD per statement on their website. Installment payments and settlements get deleted, too
Add Astra - will delete 2 years after DOFD per statement on their website Installment payments and settlements get deleted, too
Williams & Fudge - will delete and will provide letter stating so.
Cavalry Portfolio Services - will delete per statement on their website. Installment payments and settlements get deleted, too
CF Medical LLC - will delete and will provide letter stating so. Must be paid by certain date, okay to settle for less.
AFNI - will delete, irrespective of the age of the delinquency
Phoenix Financial LLC - will delete and send email/letter stating so.
Common Wealth Financial -will delete and provide email stating so
Aargon Agency - will delete, provides letter to submit to CRA, but skip this step so it's not treated as dispute. Deletes in couple weeks
Optimum Outcomes - will delete and will provide email confirming deletion upon payment
First Credit Services - will delete. If you ask CSR about it, they may not even know what you're talking about, but collection gets removed from CR.
MARS, Inc - Will delete
Affiliated Management Services - Will delete
Caine Weiner - Will delete
Fidelity Collections- Will delete, will not provide anything stating that. Updates at the end of the month
Plaza Collections - will delete accounts older than two years
Deville asset management - will PDF, possible to ask for email confirmation, settlements get deleted, too.
Might delete
Source Receivables - If paid in full. Might require some leg work.
EOS CCA - Will delete with some work
Enhanced Recovery - Really mixed bag. Most deletion occurred when debt paid to OC and asked to be recalled beforehand.
Diversified Consultants - they dont delete, but if collecting for Sprint or ATT, contact OC and ask for collection to be recalled.
Convergent - they dont delete, but possible to pay OC and get it recalled. Contact OC first
Most likely will not delete
National Credit
Allied Business Services
Waypoint Resource Group
Penn Credit
Delivery Financial services
Diversified Consultants looks like they are going out of business. They came off all 3 CRs, I got in touch with Sprint to see if my account had been forwarded to another CA, they said no, I paid, and now free of this CA reporting on my CRs. Others may find now is a great time to deal with the OC.