PFD Example Letter

[nicemann]

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@haulingthescoreup wrote:

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@nicemann wrote:

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@Anonymous wrote:

Let me see if I have this correct, I offer to PIF or settler, and add an addittional $25 to have this deleted from CR?

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Wow I hope not. I thought just paying the total amount that I owed them would make them happy. Still waiting to hear back. Only been a couple of days. But they are local so I will hopefully get a response by mid week.

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I'm hoping to see the original post. Otherwise, this sounds really iffy in the thou-shalt-not category.

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Heck that is the case...I wonder if I put in another $50 they can have a bank add a $100,000 loan to my CRs reported as PIF.  If they could back date it about 7 years that would be even better.

[Anonymous]

This is a great letter. But, I have one question...

Can I use this for a Judgement (Civil) on my CR.? And if i can, what happens if they agree and it does not come off my CRAs within the agreement dates of removal?

Pleaes advise..

[Anonymous]

I am very glad to have found this forum, and in particular this thread. I'm getting started on my credit repair, and I'm hoping that the information that I have found in here will prove useful. I'm wondering what to do when the CA listed on my credit report is nowhere to be found in any search engine, and I can't find an address to send a PFD to for the original creditor. I would like to get this taken care of, but I don't want to send a letter of this sort to the wrong place. Any advice? The OC is Bellsouth, and the CA listed is Prince Park.

[Anonymous]

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winegeek819 wrote:
I am very glad to have found this forum, and in particular this thread. I'm getting started on my credit repair, and I'm hoping that the information that I have found in here will prove useful. I'm wondering what to do when the CA listed on my credit report is nowhere to be found in any search engine, and I can't find an address to send a PFD to for the original creditor. I would like to get this taken care of, but I don't want to send a letter of this sort to the wrong place. Any advice? The OC is Bellsouth, and the CA listed is Prince Park.

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I would call the CRA and see if they can give more info on the CA. That's what I do.

Thanks

[Anonymous]

I have an unpaid credit card account that I opened in 2001 that I never made another payment on since 08/2002. It got charged off in 2005, and went into collection. On my credit report, nothing is being reported in collection anymore. So, should I write the PFD to the original creditor (capital one)? I want it removed from my CR because it's counting towards my util, and killing my score!

[Anonymous]

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@Tuscani wrote:

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@Anonymous wrote:
Hi, I just spoke with a debt collector and they explained to me that it's against the law to remove a debt from your credit report, unless you disputed it and won. that's the only way it can be removed. So I guess my question is how were you guys able to get this debt removed? thanx -J

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The debt collector lied (imagine that)!

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If a collector comes back and says they cannot delete the TL (and they do in fact have the ability to remove it), what can we say to cut through the bull w/o verbally spanking them, and calling them liars. Angry people are uncooperative people. If all I said was, "well, i know that's not true," the CA would surely uphold their original claim, then it's a can-to, can-not, can-to, can-not children's game.

Without calling them liars, is there a list of lines, quips, retorts, comebacks, and/or responses to contradict the CA's claim that it's impossible to delete a TL?

[Anonymous]

Can you call a CA and do a PFD?  I am working on buying a house, so I am trying to fast track this deletion, if that's possible.  Thanks in advance!

[Anonymous]

I must say I was skeptical, but thought it couldn't hurt.  I got my first response today.  The collection agency removed it completely!!  I'm so thankful I read this extremely useful information!!!

[seachelsgo]

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jzralnc wrote:


If a collector comes back and says they cannot delete the TL (and they do in fact have the ability to remove it), what can we say to cut through the bull w/o verbally spanking them, and calling them liars. Angry people are uncooperative people. If all I said was, "well, i know that's not true," the CA would surely uphold their original claim, then it's a can-to, can-not, can-to, can-not children's game.

Without calling them liars, is there a list of lines, quips, retorts, comebacks, and/or responses to contradict the CA's claim that it's impossible to delete a TL?

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Just lie right back! Tell them that you've actually done this before with such and such CA, and that you were hoping to work out a similar agreement with this CA. Then let them know you will be sending a letter to them, and then nicely hang up.

[Anonymous]

I was wondering if I screwed up my chances of using this letter. I actually contacted my CA telling them I would send payment for the settlement amount within the next few days. But that was before I found these forums and began to understand that were other options open to me. Can I still use this letter? Or should I perhaps include another letter stating that I have since done more research into this matter and I feel as if I was mistaken about the facts of this debt being mine.