@Anonymous wrote:Recently I recieved a phone call from a collection agency representing one of the creditors I owe money to. They offered to lower the amount owed if I payed today from ~$204 to ~$134. I asked them about PFD and said that I would have to take that up with my creditor's customer service department (GE Capital). It seemed a bit odd that they'd direct me to the creditor for that request. Now, I am relatively new to all this. I lost my job about 6 months ago had a 750 FICO score at one point last year at age 20-and screwed all that up. I was just recently imployed and have been for a month so I'm trying my best to pay down as many debts as possible and negotiate with collectors and such. So I guess my question is, now that I paid the collection agency should I call the creditor's customer service department for a request of PFD? Were they lieing to me when they said they did not handle any credit reporting?
Thanks...also any information on rebuilding credit or dealing/negotiating with debt collectors (I'm now at a 590 FICO score) would be immensely appreciated.
A PFD request to a CA is for deletion of the CAs entry not the OC, sounds like the CA may not have reported it to the CRAs. You would have to send a GW letter to the OC to get them to update or delete the TL.
