PFD is rare. Do CA's always tell the truth? We know that answer. They'll do anything to get paid within the law. Though PFD isnt a FRCA thing. The ones that do PFD are going against their agreements with the CRA's for reporting accurate info. But they still do PFD. Paid is better than owed either way.
@Samy13 wrote:Hello again !
My last collection is held with FCO for a suredeposit fee with an apt complex. I had been trying to do a PFD for over a year with no sucess so I reached out to the apt complex to see if they could recall te debt for payment. They could not BUT reached out to their FCO rep who said if I paid in full, FCO would delete it. I was instructed to mail a check payable to the apt complex. Once the apt comlpex received it, FCO requested it be sent to them. 2 weeks went by and the manager of the apt complex emailed FCO again and was told they were returning my check as they do not do PFD.
I am wondering if I can pay this and then submit the original email stating they agreed to the credit bureau for removal. Any thoughts ??
I had an experience with FCO years ago (another rental lease issue) and all the anecdotal data in addition to my dealing with them is they are hard line never do PFD ever. They ticked me off so bad I rode out the 7 years until it aged off rather than pay them. Unfortunately what you likely have here is bonafide error. A new or inexperienced employee probably made the deal on PFD that the company policy just doesn't support. The fact that they returned the check stating they cannot uphold the terms underscores that.
At this point how long until it ages off your report? If it isn't long and you don't have a major purchase like a mortgage coming up wait it out. Otherwise paid is better than unpaid.
