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I have asked probably 3billion questions the past couple of weeks with that being said i have a billion more. I also want to thank everyone that has helped me my credit is up to the below scores in my signature not much but im trying. I am going to post my collections and please assist me with how to proceed, I have been reading up on PFD etc and literally all of my collection activity folks are saying oh thats the worst one haha they dont PFD etc. I have posted them below the ones I am going to tackle first are the small guys Fingerhut, Verizon, Cap one with that being said is it better to call fingerhut verizon and cap one and ask if they will delete or go straight at the creditors? Will calling them make them start to report again? If its option 2 go for the creditors for a PFD should I start at 50%
DIVERSIFIED CONSULTANT
312893XX
SPRINT
Feb 1, 2015
$1,265
$1,265
10550 DEERWOOD PARK BLVD
JACKSONVILLE, FL 32256
(904) 247-5500
ENHANCED RECOVERY CO L
161196XXX
TMOBILE
Sep 1, 2016
$1,571
$1,571
8014 BAYBERRY RD
JACKSONVILLE, FL 32256
(800) 496-8941
ENHANCED RECOVERY CO L
165216XXX
AT T MOBILITY
Nov 1, 2016
$1,107
$1,107
8014 BAYBERRY RD
JACKSONVILLE, FL 32256
(800) 496-8941
EOS CCA
102815XX
VERIZON
Jan 1, 2018
$267
$267
PO BOX 981008
BOSTON, MA 02298
LVNV FUNDING LLC
636992XXXXXXXXXX
WEBBANK FINGERHUT FRESHSTART
Jan 1, 2016
$153
$153
PO BOX 1269
GREENVILLE, SC 29602
(866) 464-1183
PORTFOLIO RECOV ASSOC
517805XXXXXXXXXX
CAPITAL ONE BANK USA N.A.
Aug 1, 2014
$788
$788
120 CORPORATE BLVD STE 1
NORFOLK, VA 23502
(757) 519-9300
Is it okay for me to ask for a PFD over the phone then pay? Or should I always wait for the letter in the mail?