No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
You'll see it over and over again on this forum that you must get it in writing before accepting a PFD. You have very little leverage at this point and will have to depend on their goodwill. Search "goodwill letter" on this forum for more help. Good luck.
@ineedahome What was the number that you called? My wife has a similar issue. It's the only recent collection she has so it is really making an impact. It's for $95 so it would be huge if we could get that removed. I would like to try requesting the PFD in writing as suggested and see if the results end up any different. Also, did you need the full account number? We only have the partial number that is listed on the report we got on Experian's website. Thanks for your help!