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I've sent PFD letters, emails, faxes to several CA's over the last month and half and having no luck. I resorted to calling them since the other methods weren't working. Every one of them that I have talked to have all refused to PFD, said they will update as PIF but that's it.
I feel like I'm hitting a brick wall!! I know these things take time, but it seems every method I've tried isn't working. I know showing a collection as paid doesn't help my score but wold prob look better on my report if showed paid than unpaid correct???? Now my debate is, I have a couple of them that should drop off next year or a little after. My debate is should I just leave those to drop off or pay them then try GW later?
I think I'm at the frustrated and tired of dealing with it stage, so any advice would be super helpful!!! thanks
@rose214 wrote:I've sent PFD letters, emails, faxes to several CA's over the last month and half and having no luck. I resorted to calling them since the other methods weren't working. Every one of them that I have talked to have all refused to PFD, said they will update as PIF but that's it.
I feel like I'm hitting a brick wall!! I know these things take time, but it seems every method I've tried isn't working. I know showing a collection as paid doesn't help my score but wold prob look better on my report if showed paid than unpaid correct???? Now my debate is, I have a couple of them that should drop off next year or a little after. My debate is should I just leave those to drop off or pay them then try GW later?
I think I'm at the frustrated and tired of dealing with it stage, so any advice would be super helpful!!! thanks
Same here. I've been sending PFD and GW letters for over a month and no response and no change to my reports. I keep reading everyone else having successes so I am not giving up, but man it would be nice to get at least one positive response from all the letter writing. I am not a patient person so that doesn't help.
@qd wrote:
@rose214 wrote:I've sent PFD letters, emails, faxes to several CA's over the last month and half and having no luck. I resorted to calling them since the other methods weren't working. Every one of them that I have talked to have all refused to PFD, said they will update as PIF but that's it.
I feel like I'm hitting a brick wall!! I know these things take time, but it seems every method I've tried isn't working. I know showing a collection as paid doesn't help my score but wold prob look better on my report if showed paid than unpaid correct???? Now my debate is, I have a couple of them that should drop off next year or a little after. My debate is should I just leave those to drop off or pay them then try GW later?
I think I'm at the frustrated and tired of dealing with it stage, so any advice would be super helpful!!! thanks
Same here. I've been sending PFD and GW letters for over a month and no response and no change to my reports. I keep reading everyone else having successes so I am not giving up, but man it would be nice to get at least one positive response from all the letter writing. I am not a patient person so that doesn't help.
increase your annoyance i do 1 fax a day and 1 mailed PFD a week lol.... hopefully they will crack eventually i just started lets see how it goes for a month of this ... if it doesnt work ill increase to 2 per week and 2 per day ... every month they are gonna get an increase ....
It is very frustrating, especially when I constantly see others having successes on here. I'm not patient either so that doesn't help much as well LOL I also am trying to get this all cleared up as quickly as possible so that I can hope to bring my score up to buy my first house.
I, too, feel your pain. I have been writing First Premier, Chase and Card Service Center (now they sold their TL to Merrick bank) for close to 1 YEAR - asking for GW deletion for 30 day late (1 for each in 2009) when I was out on medical leave. The killer is....up until then, and since, I had never been late with them, but they have refused to do a goodwill. I get the same lame letter back from each "we report correctly and to change would not insure the correct reporting process...yadda...yadda...yadda"
At what point should I stop sending them letters?
I was in the same boat with the letters and faxes until I tried email. I emailed the CEO, Presidents, VPs...I had GW success with a Honda Financial and a student loan.
Some creditors just will not issue PFDs, but have been known to remove information via a GW. I always advocate paying/settling the debts, it just prevents the bottom feeders from showing up later. I would try the PFD route a few times, if it's a "NO GO", then pay/settle and go the GW route.
@rose214 wrote:I've sent PFD letters, emails, faxes to several CA's over the last month and half and having no luck. I resorted to calling them since the other methods weren't working. Every one of them that I have talked to have all refused to PFD, said they will update as PIF but that's it.
I feel like I'm hitting a brick wall!! I know these things take time, but it seems every method I've tried isn't working. I know showing a collection as paid doesn't help my score but wold prob look better on my report if showed paid than unpaid correct???? Now my debate is, I have a couple of them that should drop off next year or a little after. My debate is should I just leave those to drop off or pay them then try GW later?
I think I'm at the frustrated and tired of dealing with it stage, so any advice would be super helpful!!! thanks
I have two collections that I've recently paid in full that categorically refused to do a PFD. I am just trying to GW them now. I am not particularly hopeful but I look at it from the standpoint that it's one more credit issue that is resolved and cannot be pursued. I have one more collection account and one charge-off with Merrick Bank/Carson Smithfield to go.