PFD Example Letter

[Anonymous]

BUMP.

[Anonymous]

I have 2 posts on DH CR from a CA for the same hospital bill.  Until it showed on CR, thought DH's wc claim paid the bills,  Been able to get wc carrier to advise health carrier should pay these bills and the copays are now due from us.  Would have been outside 2 year eligible for health plan if this hadn't happened and then would have been stuck for $2,700 and would have ruined our credit for quite some time. 

Question, would I PFD to OC, which received payment from the health carrier direct, or the CA?  Couldn't the OC pullback the collection from the CA?  Since it was an insurance error, would that make it elible to be deleted from the CR?

Don't want to mess this up!!

[Anonymous]

Thank you for the letter and letting me know how to use it.

[Anonymous]

here is my story. I just checked my credit report and I see that I have a collection report for $70 on my account. It seems like a balance from my previous apartment I lived. As far as I remember I had sent them a check for the amount. I never heard from them and I did not bother to follow up and it looks like the check was not encashed. I now see that its dropped my credit score by 100 points. It was reported on 09/08. Got sent to CA in 10/07

How can I go about getting this removed? Should I contact the leasing office to talk to them and have it removed or do I write to the CA? Which route is the best way to go and get this removed. I don't mind paying in full as it was not something I did intentionally. I just want to take the best route to get it removed.

Inputs is appreciated..

Message Edited by dealaddict on 10-08-2008 09:37 PM

[Anonymous]

Some quick questions if anyone could please help as I need to get two PFD's out today.

If both the OC and a CA is reporting on my CR who do I send the PFD to?

A moderator had mentioned "do not send PFD's out CMRRR" but didn't explain how you should send them out.

If I send the PFD to a CA and they agree can they delete the info that the OC is reporting? Should I stipulate that in the PFD?

Thanks.

[fused]

PFD letters are sent regular mail to the party who is reporting the unpaid balance.

[Anonymous]

There's one part about this PFD letter that I question.  It starts off by saying that you don't know the account number because you've never heard from them regarding the account, and you only know of the account because it's on the Credit Report.

However, aren't you only supposed to send a PFD letter after it is validated?  It seems weird to me that I'd write a DV letter, receive validation, then send a PFD letter that says I don't even know the account number because I've never heard from them.

[Anonymous]

^^^^^ If the account is legit you send a PFD first, then a DV only really cause you use that as your leverage to push the PFD through? I think. That's the way I look at it at least.  I think CAs hate verifying or if they don't have the info on hand they know you can get out of it do they'll agree to delete it if you pay it, so everyone wins.  If all this fails just send all types of GW letters 

If the account is wrong then just DV.  IMO never send a PFD on an account that isn't yours, why pay money you don't owe? 

And sending a DV first on an account that is legit, well why would you verify what you already know is true? lol  Sending a DV first on an account you truly owe is kinda shady IMO.  They say you owe them money and you say prove it?  I would hope that ppl would have some integrity and owe up to their responsibility.

Message Edited by Tastycakes on 10-15-2008 08:40 PM

[Anonymous]

A common misconception about the DV letter-- most believe you send it to ask them to prove you owe what they claim.

However, a DV letter is about much more. A DV letter is for them to prove to you that they have the right to collect this amount and that the amount is accurate.

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Tastycakes wrote:

^^^^^ If the account is legit you send a PFD first, then a DV only really cause you use that as your leverage to push the PFD through? I think. That's the way I look at it at least.  I think CAs hate verifying or if they don't have the info on hand they know you can get out of it do they'll agree to delete it if you pay it, so everyone wins.  If all this fails just send all types of GW letters 

If the account is wrong then just DV.  IMO never send a PFD on an account that isn't yours, why pay money you don't owe? 

And sending a DV first on an account that is legit, well why would you verify what you already know is true? lol  Sending a DV first on an account you truly owe is kinda shady IMO.  They say you owe them money and you say prove it?  I would hope that ppl would have some integrity and owe up to their responsibility.

Message Edited by Tastycakes on 10-15-2008 08:40 PM

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[Anonymous]

The thing to remember is this is an example PFD letter than someone else wrote for their situation. It is possible that for whatever reason they didn't DV or did and still didn't know the account number.

As with all example letters on here, you need to tailor them to fit your situation.

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SanFranMatt wrote:

There's one part about this PFD letter that I question.  It starts off by saying that you don't know the account number because you've never heard from them regarding the account, and you only know of the account because it's on the Credit Report.

However, aren't you only supposed to send a PFD letter after it is validated?  It seems weird to me that I'd write a DV letter, receive validation, then send a PFD letter that says I don't even know the account number because I've never heard from them.

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