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I have 2 charge-off accounts on my credit history. But each one of them has got reported several times: first by the original creditor, and by the collection agencies. I'm confused. Who should I send PFD letter to- the collection agency or the original creditor?
Who should I send?
Welcome to the forums!!!
You should send the PFD letter to the person to whom your account has been assigned.
Who should I send?
I have the same issue, what is a PFD letter?