Looks like they are not willing to PFD, it is against their policy supposedly........ what should I do next?
"Your email has been received and noted. $204.00 is not an acceptable settlement for this account. Additionally, it is not our business practice to remove or delete credit information in exchange for payment. To do so would be inaccurate, unfair and contradictory to our policies."
@Anonymous wrote:I called PRA and settled an $800 dollar account for around $250. They deleted the account. I can't remember if they deleted after I paid or if I submitted a dispute for inaccurate balance and they never responded.
Yeah that is what I'll probably have to do, pay first then dispute/gw
@Lasardo wrote:
They deleted for me also so I would not give up on your PFD, send a higher amount.. Say 25% more and see what happens,.. All they can do is say no, right?
Who did you talk to? Maybe it's a certain person that allows the TL to be deleted (PFD)?
I got an update, they told me to mail them the pfd to the office of general counsel...... i'm trying to find the email for that department, does anybody know it?
UPDATE: I mailed PFD to their general counsel, on 07/18/2013. I will update this thread once I recieve a response.
In the meantime I found out the debt has passed it's SOL in California (4 years), should I use this to my advantage somehow? They can still report it but I would like to just get it removed entirely from my CR.
I found them very difficult to deal with. Good luck!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.