Collection agencies that do PFD

[FireMedic1]

Its not listed on page 1. No have I've seen this CA. I looked all over their site. Usually they'll say they do to get you to pay. Nothing showed up.Sorry.

[butterpecan]

@FireMedic1 

Thank you, I didn't see it listed on page 1 either and found their website lacking any information as well. It is one of my two small collections for a $700 medical bill. It doesn't even show up on my EQ report just on TU & EX and it's not due to fall off until 2025.

I can contribute up to date DP's that Firestone CNBA will not do a PFD and my debt to them is a simple $123 dollars. I'm not sure where to post this because the list doesn't appear to be maintained as of now. 

I believe I mentioned to you once in a different post 2 of my 4 baddies are Firestone and Kohl's. Unfortunately everything came crashing down for me in 2018 and I let my only 2 open revolving TL's go out the window giving birth to a very sick newborn placed in NICU for 6 months. Who cared about bills! And I am nurse making it that much more intense. So $123 (Firestone) I guess gets to stay on my reports but I paid it off a few days ago. But it still looks ridiculous to me and to future creditors. SMH. 

The good news is LVNV does a PFD also like you said. Thx. 🙂

Now to see if Kohl's/Cap1 will...they can't be too upset over a $700 charge off because Cap1 approved me for their secured Platinum card.

[pfries911]

The medical collections will be removed under newer law once paid regardless of CA's policies. 

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@butterpecan wrote:

It is one of my two small collections for a $700 medical bill. It doesn't even show up on my EQ report just on TU & EX and it's not due to fall off until 2025.

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[butterpecan]

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@pfries911 wrote:

The medical collections will be removed under newer law once paid regardless of CA's policies. 

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@butterpecan wrote:

It is one of my two small collections for a $700 medical bill. It doesn't even show up on my EQ report just on TU & EX and it's not due to fall off until 2025.

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@pfries911 I just googled this and my goodness how right you are! Thank you! My score should show a wonderful uptick and improvement with this being the law after paying an old bill for $700. Here is a link that I found that may help others with clarification like it has for me. I thought the new law was only for medical debt under $500 when in fact it also includes medical debt you have already paid stating that ones you pay should be removed as well.

[BM1990]

I can confirm Debt Recovery Solutions does PFD if paid in full.

[mademan0890]

My experience with South West credit system is that they will not PFD. 

[MichaelMyer]

Do you have to pay the entire balance to get a pay for delete or will they settle for a lesser amount?

[mademan0890]

I believe most of them will settle. I've heard stories of some wanting the full payment for the deletion. It just depends on the CA

[bjaminkelley88]

I could't find any information on NCB as far as PFD but I can confirm that will do a Good Will delete as I was successful in getting a paid collections removed from Equifax by this method. Submitted the request on 9/7 and was deleted from my report on 9/13. I got no response from the request, they just did it behind the scenes. 

[sjt]

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@MichaelMyer wrote:

Do you have to pay the entire balance to get a pay for delete or will they settle for a lesser amount?

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It depends on the collection agency.