Forums
I've validated and paid in full, all of my collections and charge-off's.
can i still follow the PFD (pay for delete) process to have the collections and charge-off's removed from my credit report?
I've validated and paid in full, all of my collections and charge-off's.
can i still follow the PFD (pay for delete) process to have the collections and charge-off's removed from my credit report?
no, you cannot PFD a paid account. It is basically bribing someone to remove stuff from your credit. This is pretty illegal. No matter how sleazy collection agencies are, I have never heard of this working.
However once a debt is paid, after a year or so you may have luck getting the items disputed off. you can also trying filing complaints
removing paid accounts
Hi markingersoll,
Welcome to this community :)
No, you can't request a "Pay for delete" (PFD) on a "Paid" account. You can rather send Goodwill letters to the collection agencies and creditors (whoever you have paid). A goodwill letter is a request to remove the negatives on the basis of your goodwill.
If this does not work, you can try removing these items by filing disputes.
Thanks,
Aaron