EOS-CCA refusing to do a PFD

[Anonymous]

Greetings,

I finally had a good credit score up until yesterday when i was hit with a derogatory account only on my transunion report. Its an old 480 dollar Verizon bill that my ex-girlfriend was supposed to take care of years ago. 

I called EOS-CCA and offered to pay 300 dollars if they did a PFD. The lady said that they can't remove it from the credit report but once i made the payment, it would show up on the credit report that the debt was settled. I insisted that i wanted it completely removed but she said thats not what they do.

I asked to speak to a supervisor and she basically said the same thing. I asked to speak to her manager but she said she was the only manager on duty.

I read other posts on this site like this one -> http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/EOS-CCA-refusing-to-do-PFD/td-p/4351895 but its from 2015. Did something change? 

If they report to the CRAs that the debt is settled, isn't it still going to stay on my credit report? Does settling the debt improve my credit score?

The article above states that he requested a close-out letter and then he sent it to the CRAs. Should i go that route? And if i do, where do i send the letter too? Is there a fax number? Do i have to do a dispute on the transunion website?

Please let me know.

[Anonymous]

Please someone? I want to take care of this today.

[gdale6]

If you want the PFD they usually require full payment not a reduced amount. As far as your Fico score its already taken the hit so you now have to either settle to stop the monthly updating that is to come if you dont pay it (not paying and their updating it monthly will keep your Fico depressed). I would try a few more full PFD offers with different people to see if you can get the PFD and if you cant pay it and then move to GW letters asking that they remove the paid collection from your CRs.

[Anonymous]

if the debt is settled without the PFD, will that help my credit score?

[gdale6]

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@Anonymouswrote:

if the debt is settled without the PFD, will that help my credit score?

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Not immediately as it looks like a new collection in Ficos eyes. As it ages back in time then your score begins to recover. Regardless of how far back in time it goes until drop off, if you cant get it removed it will cost you some Fico points.

[Anonymous]

Thank you. I'm calling now to see if they'll do the PFD for the full amount.

[Anonymous]

Same thing, they cannot do a PFD. SMH

What now?

[gdale6]

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@Anonymouswrote:

Same thing, they cannot do a PFD. SMH

What now?

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Try calling the CEOs office or pay it and then use the GW letter campaign to ask that it be removed.

[Anonymous]

I just faxed a Pay for delete letter. Hopefully they respond...