Question RE PFD and Late Payment

Question RE PFD and Late PaymentQuestion RE PFD and Late Payment
Daursessy asked 4 years ago

I’ve begun researching and came across this forum, which has already been a tremendous help. I just want to make sure I am headed in the right direction to get these things removed from my CBR.

 

I have 6 negative accounts, all medical. I intend to send PFD letters to all but want input as to how much I offer to pay. The whole amount? The accounts are as follows:

 

CAC Financial Corp

Date Opened: 1/16

Date Reported 3/16

 

Medical Data Systems Inc.

Date Opened: 11/15

Date Reported: 1/16

 

Optimum Outcomes

Date Opened: 11/15

Date Reported: 3/16

 

Phoenix Financial Services (there are 3 of these, details all the same)

Date Opened: 11/15

Date Reported: 1/16

 

I also have a late payment to

 

Comenity/Capital Bank/Zales – one late payment (30 days) account since paid in full and new balance added

 

What is my option for the late payment? Has anyone had any luck with any of these companies? Am I headed in the right direction as far as the PFD letters? I know I need to send the PFD letters via CMRRR, do I send it to the address listed on my CBR? Any advice would be appreciated.

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