Hello All,
I've been in the forums for quite sometime faithfully reading the forums for guidance on repairing and establising my credit. It has definitely been more than a challenge but the forums have been so helpful. Not proud of the following but after reading the forums I built up the courage to check my credit after ignoring it for 2+ years. Currently 10 months in and I've gotten about 4 Collections removed (only 1 paid) and I'm currently working on the last 5 remaining which are all PFD. I will be settling for less than the original amount.
LVNV has offered to settle for 40% of the balance due (yay!) if I pay in 1 payment 'Pay all at once for the biggest savings!" and of course that percentage goes up per the number of payments. I've been putting money aside for the last 6 weeks to settle but I recently got a letter from Tate & Kirlin that the account has been referred to them and that they offered to settle for 30%. I immediately called LVNV since I know they now do PFD (as of recently) and offered to pay them directly but they said that they cannot settle for 30%. I then asked if I pay Tate & Kirlin will they PFD? and suprisingly agent assured me that it will be DELETED within 30-45. I'm so happy and grateful, I will keep update this forum once that happens.
