I've not tried a PFD before, but am about to on a medical expense. The original bill was $700 for a consultation I didn't even know cost anything. Anyway, the CA offered to settle for $183 some time back. I never paid because, basically, I got busy and was in no hurry to pay anyway. Since then they say I have to pay the whole thing again, blah blah blah. Does this sound like a good plan: 1. Call them and offer something like $100 to settle the account. The account is about 3 years old, far less than the sol. 2. If/when they accept an offer with the PFD stipulated, fax them over the pay for deletion letter found on this website. 3. Send them the money if they sign the paperwork. 4. Check in with the CRA's until the tradeline disappears. (BTW, only 1 CRA is reporting this tradeline for some reason). Should I do anything differently? I know this is small potatoes, but one thing I've learned from this site is to be very careful of what you are doing before you take any action! Thanks, bushka
Sorry...Universal Data Form. Its a form the OCs/CAs submit to the CRA when they need to edit what they are reporting on a TL (tradeline). http://creditboards.com/forums/lofiversion/index.php/t32.html
Just in case the CA does not fulfill their end of the bargain as quickly as you would like, you can send it to the CRA yourself.
I'd just rather sue them for Breach of Contract, put some money in my pocket, THEN get a copy of the UDF.
