Just follow the advice on the forums. In a little over a year and a half I was able to go from a 456 to a 702. PFD was the biggest thing for me. I had 12 collection accounts on TU And Efax. I was able to work out pay for deletes on all of them. A couple of the CAs did it without me having to ask. AT&T and a doctor even allowed me to pay them directly and then recalled the collection notice from the CA. For att I had to ask to speak to a manager in accounts receivable to work it out. She was very nice and helpful.
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