Collection agencies that do PFD

[renamariee]

Does IC Systems delete with settlements as well?
Also, when having OC recall a debt to pay (Emhanced Recovery, Convergent) do they recall and delete with settlements as well or only full balance?

[sjt]

---

@renamariee wrote:

Does IC Systems delete with settlements as well?
Also, when having OC recall a debt to pay (Emhanced Recovery, Convergent) do they recall and delete with settlements as well or only full balance?

---

IC Systems is on the list of collection agencies that will do a PDF.

[Anonymous]

@Remedios 

I can confirm that receivable collection services, llc in Floral Park NY will not do a PFD under any circumstances whether it's PIF or Settlement

[Anonymous]

Any word on TSI collections in reference to PFD?

[Anonymous]

Hello everyone, I'm new to the forums and I want to start rebuilding my credit. 

I have a question, if you successfully negotiate a Pay for Delete with  Collection Agency, will the original debt which is also being reported as a Charge-Off ccan be deleted too, or just the collection account? 

Thanks for any feedback!

[gdale6]

---

@Anonymous wrote:

Hello everyone, I'm new to the forums and I want to start rebuilding my credit. 

I have a question, if you successfully negotiate a Pay for Delete with  Collection Agency, will the original debt which is also being reported as a Charge-Off ccan be deleted too, or just the collection account? 

Thanks for any feedback!

---

The OC would remain and the PFD would only apply to the CA that is reporting. OCs really dont do PFDs.

[Anonymous]

OK I see, so in your all's experience, is it still worth to do a PFD even though the orignal account will remain as a negative item?

[OmarGB9]

---

@Anonymous wrote:

OK I see, so in your all's experience, is it still worth to do a PFD even though the orignal account will remain as a negative item?

---

Yes because if you let the CA sit there, your scores are being affected by the double whammy of BOTH the CO and the CA. At least this way if you PFD the CA, you'd only have the CO which would be closed and age over time, allowing your scores to recover.

[renamariee]

Do you know if that's only for PIF or if they accept settlements as well?

[Remedios]

---

@Anonymous wrote:

OK I see, so in your all's experience, is it still worth to do a PFD even though the orignal account will remain as a negative item?

---

Yes, you really do not want that double whammy.

Pay it if you can because if it gets sold to another CA that won't do PFD, you're right back where you started