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PFD if something is not on your credit report yet?

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Contributor

PFD if something is not on your credit report yet?

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?
Message 1 of 5
4 REPLIES 4
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Moderator Emeritus

Re: PFD if something is not on your credit report yet?

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!
Message 2 of 5
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Contributor

Re: PFD if something is not on your credit report yet?

Yes, I have recvd a dunning letter. Several actually. I believe acct was closed and sent to NCO in Oct 2007, possibly September.
Message 3 of 5
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Moderator Emeritus

Re: PFD if something is not on your credit report yet?

I would DV before PFD.
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Message 4 of 5
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Moderator Emeritus

Re: PFD if something is not on your credit report yet?

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
Message 5 of 5
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