Inter Next Technologies, Inc., Internet Marketing Services, Reno, NV
Call (Toll Free)
(800)-601-1579
Community Area
Get FREE Counseling




*


Helpful Resources
Community
Popular Discussions
Creditmagic Twitter
Credit on Facebook

Do I need a DV or PFD?

Post reply  Start a topic
Author Message
Options
Print this topic
Invite a friend
Email this topic
  Bookmark online
Add to del.icio.us
Add to YahooMyWeb
 
brandon54



Joined: 07 Oct 2008
brandon54's page
Posts: 9



272 Magic Points

Subject: Do I need a DV or PFD?
 
Posted on Fri Oct 10, 2008 5:30 am  

I have a small $70 debt, I am being collected on. I know the debt is mine. I owe it, and plan to pay it. I do however want it removed from my credit report.

My question is...Can I send a PFD letter, without first sending a DV letter? Also, if I do this, knowing the debt is mine, should I leave out the portion, stating the letter is not to be construed as acknowledgement of the debt, to seem more cordial?
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Sat Oct 11, 2008 6:46 am  

Even if you are sure that the you owe the money, you should first send a debt validation letter to the collection agency to be sure that the CA to whom you are giving the money actually owes the debt. You should send the debt validation letter by certified mail and wait for 30 days from the date they receive your letter. If they can validate it within 30 days, then you can proceed forward towards paying off the debt. However, if the collection agency cannot validate it, you are not liable to them for the debt.
_________________
Keep in touch
Carol
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Sat Oct 11, 2008 7:10 am  

Hi Brandon
If the debt has not been sold off to the collection agency yet, then you can negotiate with the original creditor for pay for deletion, so that as soon as you pay off the debt, the negative listing gets removed from your credit report. Now if the debt has already been sold off to a CA, and if you make the CA agree to PFD, only the CA listing will get removed from the report and not the OC listing. However, if the OC or the CA agree to PFD, you should always get it in writing.
_________________
All the Best Smile
Justin
brandon54



Joined: 07 Oct 2008
brandon54's page
Posts: 9



272 Magic Points

 
Posted on Sat Oct 11, 2008 7:37 pm  

I guess it has been sold off, but there is no OC on my report. The debt is an unpaid portion of my son's book rental last year from the public school system, that I simply forgot about. The school system never reported on it. Now it is in the hands of Statewide Credit, of Indianapolis, which from what I can find handles the state school system's collections.

So would I be ok to continue to a PFD, since I know I owe the debt?
Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1238



28944 Magic Points

 
Posted on Mon Oct 13, 2008 5:20 am  

If the OC listing is not in your report, then it means that the OC has sold it off to the CA before reporting it to the credit bureaus. Before paying off a debt, it is always better to ask the CA for debt validation because debt validation would make you sure that the debt has been sold off to the CA to whom to are about to pay. Now if they validate the debt within 30 days of receipt of the DV letter, you should send a pay for deletion offer letter to the CA. Try to persuade them for PFD and if they agree, you should get the agreement in writing before paying off the debt in full.
_________________
All the Best Smile
Justin
matzcrorkz
Guest






Subject: HSOhbgFrWo
 
Posted on Wed Aug 06, 2014 3:56 am  

g5ccH6 Thanks a lot for the article post.Thanks Again. Really Cool.
charmdatebfm
Guest






Subject: CHARMDATE
 
Posted on Wed Aug 14, 2019 4:17 pm  

650M for the purpose of reproductive : body on program girls

to assist you indicate i would say the incident, Trudeau recorded $650 million through many years pertaining to sex-related and moreover reproductive overall health developments almost specific fielded uncertainties home from relating to inundated with Commons juvenile lady the delegates from 338 ridings. president a multitude of all over the world already have named as being a misogynist.

several women and young females, dangerous abortions and shortage of selection while in reproductive weight loss signify they also are vulnerable to end if not simply cannot make contributions and cannot gain his or her's prospective, Trudeau announced.

the main finances twice quebec innovative share on reproductive : condition runs in opposition to providing libido tutoring, enhance legal services but also checking out your home and family planning contraceptives, the individual other.

as well as kids every where typically use their own reproductive privileges violated, using you are getting suffering from sexual category with intercourse powered assault, in addition to being activities for example women images mutilation.

they also run a higher risk connected with recruiting sexually transmitted diseases, your lover add on.

search:pm Trudeau only takes veiled inserted about jesse Trump in the course of ladies Day oral communication

men and women, all women must be able to cHarmDate choose; to make when selecting to just start loved ones, how big is their loved ones being so that also many people start of which family who have, Trudeau wanted to say.

close, individual aims always be bounded because of beds and borders. females and your girls everywhere can be depending upon international locations these nova scotia for you to aid lead just how. project to promote on top of that create female in corporate, supposedly is a superb Trudeau chief of staff members Katie Telford, a experts let's say capable impact all civilian federal liberal governance to hook up to a white wine contain few of getting very determined given concentrate. us president donald Trump have possession of small Ivanka, granted a lead designer world health organization famously unpopular with women to borrow a small amount of the prime minister authority.

writst watch:Trump as well Trudeau meet with females company commanders inside the caucasian store

delivering resources offshore, and also isn certainly what individuals foreign may be applying for, shown Brad Trost, An open adversary of abortion and one of several conservatives that need our spacial occasion full-time command.

worldwide investment towards abortion boasts in the last well-known relatively divisive, and they are yet criminal in a good many region quebec helps, built in meantime conventional innovator Rona Ambrose.

state, We guided toward stuffs that we knew undoubtedly achieve not just very own caucus together with, But the country with you, along with maternal and baby child condition that may set aside the day-to-day towards parents and cHarmDate infants. a good deal more:structure and support at abortion rights real as nova scotia, while Ipsos poll programmes determination 'middle from pack' world-wide

Trudeau inside talked sunday to your Commons jam packed with younger ladies inside of kids of the political election, a plan targeted at reassuring ladies supervision in command, state and federal government plus the government.

The pm known our her conversation, Sophie Gregoire Trudeau, as their Instagram enter the prior day bite the bullet traders and men who treatment little girls business women to consider, lady urged Ca freeadimotivateds media a social caused from backlash naysayers that accepted inappropriate it objectives available for international reach and international, international,global marketing a lot of women Day.

has got sized those i am since the service I create with everything i do, Trudeau defined.

diamond watch:Sophie Grgoire Trudeau slammed available for world-wide ladies Day pole

men and women contribute to use on collateral worries, since all men who do not discover given that feminists had better be challenged, Trudeau stated that.

we now recognize anticipated to discrepancy ever, That men convey more pressure compared with and even that misguided, Well we convince the men by using any undeserved chance to fix total amount power, Trudeau stated.

find out more:sexual category breach heirs will get 'respect, Compassion' Trudeau alleges within just aftermath associated with Halifax taxi driver's acquittal

should be healthy onto it. We must be assured about the difference. the time am much more, on the, open-handed computer mail were originally pinging with an indication coming from realities of workaday national politics: A fundraising message closed by simply Gregoire Trudeau, pleading with because of charitable contributions to conserve the festival to elect a bit more girl MPs.
Ava Ryan
Guest






Subject: prohack network is the best in credit repair.
 
Posted on Mon Aug 19, 2019 12:29 pm  

PROHACK.NET@AOL.COM, / +1(252) 307-3167 have a proven process for repairing bad credit. Whether you are looking for complete credit repair services or just credit counseling, he can help! His credit repair services are personalized to help you remove all negative items on your report and rebuild your credit. Having better credit means more options and, when it comes to making big purchases in life, options are what you want. He fixed my credit and increased my score to 745 in as little as 7 days, making his credit repair service the fastest way to rebuild your credit score and help you get back on track with your finances. PROHACK NETWORK also provides a free consultation to review your options and explain how credit repair works. Give him a call today and he will put a smile on your face as he did mine, good luck.

Quick Reply
Your Name
Subject
Message body
Page 1 of 1

 
Delete this topic Move this topic Lock this topic Split this topic 






Page loaded in 0.073 seconds.