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Enforcing a PFD


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There is a much longer story to this, but after NUMEROUS disputes, complaints and the like, I ended up doing a PFD with Monterey Collections.

 

I got a letter from them clearly stating they would delete, and sent a postal money order CMRRR.

 

They received it on August 24th.

 

Should I continue to check my report to see if it falls off, or should I do a "last" dispute with Experian and Equifax, in hopes they will hold up their end of the deal?

 

If they don't, how soon and what can I do to "enforce" the deal?

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  • 2 weeks later...
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I would send them a letter reminding them of the PFD and that reporting a zero balance is not the same as deleting it. Tell them you expect it to be removed immediately and if it isn't deleted within the next 10 days, you will forward the agreement to your attorney for proper handling and to ensure your rights are upheld.

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