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I had a Express fashion CC, stop paying back in 2003, the CC was CO for $107. I received a letter from World Financial Network National Bank (WFNNB).

Telling me that they reviewed my account and that remains past due, the account is currently being reported to the CB as an unpaid charge off. They are saying upon receipt of the settlement amount the remaining balance will be credited and account will be reported to the CB as a "Unpaid charge off"

They are offering to settle for $53.83 (50%) to resolve this once and for all.

I don't know if I should take the settle or offer PFD, since I read so much in this forum that a "paid charge off" is as bad as an "unpaid charge off".

Should I pay $53.83 and let them report "paid charge off"?


should I offer to pay the full amount $107 for delete?

One more thing, I don't have address to send PFD letter, should I send it to the PO Box # in the selfaddress envelope?

Please any advice would be helpful.


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