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Down to business


TxQuiltGirl
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The last post in this topic was posted 3409 days ago. 

 

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Alright, so I received my Experian report yesterday and I've triaged it and made a plan. Of course I'm starting with some of the low-hanging fruit - things that are scheduled to drop off by year end anyway, some of the CA's I know won't be able to validate, stuff like that. But I have one entry, which I know is probably true, for a collection by a local utility company for $38. I think it was just lost in the shuffle when we moved a couple years ago, and it's not scheduled to drop off until the end of 2018.

 

What is the general opinion on sending a PFD letter to them? I mean, it's such a little amount and I'm certain I owe it. It's not been turned over to the collection agency; it appears to just be sitting in-house at this point.

 

TIA.

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When I started credit rebuilding/repair I also had "low hanging fruit" that were debts I knew I owed. I did PFD on all 3 of them and it worked. Some do not advocate for it but if you can't be sued for the debt I personally don't think it hurts to try. Keep in mind that there are some creditors that have a policy of NEVER doing PFD no matter what. There is nothing you can do to change that. Whether this utility is one I do not know.

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