PFD question

[Anonymous]

I have tried looking for an answer to this question but haven't been able to find an answer.

If I try to PFD a CA, do I have to offer the full amt they have listed on my CR or can I offer a certain amount that I feel is right.

For example,say they want $787, can I offer $400 in my PFD letter?

Also,what if they accept the payment but won't PFD should I still pay it just to have the balance at $0 on my report or just keep trying until they accept my PFD?

[Anonymous]

You can offer any amount you choose, it is up to them to accept or reject.

Paid vs unpaid collections don't do much for your score, but paid looks a lot better than unpaid during a manual review.

[Anonymous]

PFD questions as well.

I have many collections and will make sure I check drop off dates.  I have old and newer ones.

I know these all mine and many have sent me letters in years past, but I would say the last 6-8 months I have not recieved any letters.

Can I still DV them or should I just go ahead and PFD them.

Thanks

[wahmom]

Yes you can still DV them. Make sure you check your SOL. If you're still within SOL make sure you have the funds available to PIF if necessary.

[Anonymous]

I am getting mixed up.

I see in other threads people saying they DV the CA.  I thought you DV the CRA's.

Which is correct or are both correct.

Also can you call and ask or is that not good idea.

Thanks