PFD if something is not on your credit report yet?

[Candice]

I owe NCO about $288 for a cellphone bill - Here is my question...I just pulled all three reports today and NCO is not on one of them. I am willing to pay them in full but I am worried that after I pay they might report me anyway. Should I do a PFD for the full amount just to be on the safe side? Or are they unlikely to report once it is paid off?

[Anonymous]

Did you receive a dunning letter or a phone call?   When did you stop paying?

Federal SOL is 2 years from DOFD.

Send them a DV  CMRRR!

[Candice]

Yes, I have recvd a dunning letter. Several actually. I believe acct was closed and sent to NCO in Oct 2007, possibly September.

[Anonymous]

I would DV before PFD.

[Anonymous]

always send a DV CMRRR   wait for an answer  Then send a PFD..........They can continue to report till the CRTP 7 years if you pay without a PFD