PFD Example Letter

[Anonymous]

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sfoclt wrote:

Basic question: is it good to CMRRR a GW letter? You don't have rights via the GW letter so I wonder if CMRRR'ing it sets a "formal" or aggressive tone than just a nice friendly letter dropped in the mail.

Message Edited by sfoclt on 08-03-2008 06:55 PM

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IMO, don't send PFD/GW letters CMRRR.

[MsKitty]

Thanks for the info.  I'll use it inthe future.  I sent the goodwill letter CMRRR only because I did nto have anyoen in particular to send it to and the only address was one in which everyone sends payments.  I thought it would help my letter nto get stuck in a pile with a gazillion other letters.  Thanks again, in any case, it didn't help.  Still rejected.

[Anonymous]

Hi, new to these forums, but I'm already finding out such great information. My husband and I have several credit card accounts and store credit card accounts that went delinquent in 2003 and 2004. Can a PFD letter be used for these accounts even though the debt is not in dispute? I want to pay off these debts, but I also would like them to be removed because I am trying to get a home loan. Any advice would be appreciated.

[Anonymous]

You are Heaven sent! This letter is exactly what I needed to get on the ball to improve my credit score. I just paid off all 4 of my credit cards down to a 0 balance  today, but I didn't know where to start with the collection accounts. You've just empowered me and my extremely low Fico! And for that I thank you!

Life has been so hard with 2 kids and no job for 2 years. But, somehow I managed to gradute with my BSN! So now I'm working and paying my student loans... on time! Someday my Fico will reflect my efforts.

Hopefull!

[pokerpro]

Tuscani - Quick question if I may

I filed bankruptcy 11/2004

Fico score Equifax was 687 last week

I only have a first priemer account still showing on my credit report as included in bankruptcy, charged off..and  is due to fall off 2011.

I disputed the account since the bankruptcy was joint and we had a divorce, but it came back as validated, i really would rather pay the amount rather than wait until 2011

Would it be advise to use that PFD letter method pay that debit and ask them to delete

Thank you for reading

Message Edited by pokerpro on 08-14-2008 02:15 PM

[llecs]

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SoulfulDragon wrote:
Hi, new to these forums, but I'm already finding out such great information. My husband and I have several credit card accounts and store credit card accounts that went delinquent in 2003 and 2004. Can a PFD letter be used for these accounts even though the debt is not in dispute? I want to pay off these debts, but I also would like them to be removed because I am trying to get a home loan. Any advice would be appreciated.

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Welcome to the forums!

The mention of "dispute" is really for your protection. The OC (or CA) doesn't have to accept or respond to a PFD. Admiting that a debt is yours could backfire if they don't accept the PFD. They could turn around and use your admission in court if they ever decided to sue.

If you have the money to PIF, then go for it. Search around in these forums for your creditors' likely acceptance of a PFD. Plenty of success stories here.

[llecs]

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pokerpro wrote:

Tuscani - Quick question if I may

I filed bankruptcy 11/2004

Fico score Equifax was 687 last week

I only have a first priemer account still showing on my credit report as included in bankruptcy, charged off..and  is due to fall off 2011.

I disputed the account since the bankruptcy was joint and we had a divorce, but it came back as validated, i really would rather pay the amount rather than wait until 2011

Would it be advise to use that PFD letter method pay that debit and ask them to delete

Thank you for reading

Message Edited by pokerpro on 08-14-2008 02:15 PM

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Go for it. If you are within SOL, but have the $$$ to pay in full, then go for a PFD. However, First Premier isn't too known for their PFD acceptance. However, don't let that stop you and keep sending them until you get a "yes". Consider also sending to multiple addresses if possible.

[pokerpro]

llec - thank you so much for taking the time to reply

how if I tried calling them first?? or should i stick with the letter

thank you

I definitely have the funds to pay the amount in full , its rather embrassing, 661 dollars and thats with all their charges/interest from being behind, limit was only 450

[Anonymous]

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pokerpro wrote:

llec - thank you so much for taking the time to reply

how if I tried calling them first?? or should i stick with the letter

thank you

I definitely have the funds to pay the amount in full , its rather embrassing, 661 dollars and thats with all their charges/interest from being behind, limit was only 450

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I would just send a letter.

[Anonymous]

Thanks, Timothy.

How exactly do I request the Debt Validation - and is that to the CA or the CRB?