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How is this for a PFD letter?


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Would you use this? Anything else I should add?

Unique National Collections

119 E Maple Street

Jeffersonville, IN 47130

Re: Account No. XXXXXXX

Dear Sir or Madam:

I am writing a letter about my collection account reported to all three credit bureaus in the amount of $50.00 for Indianapolis Marion County Public Library.

I received your collection notice and was surprised to find this account in collection because I never received any notification from the library of any outstanding balance due on my account. I moved in December 2002 and in the process of moving, the books were packed in boxes for quite some time before I realized they were still in my possession. Once I found the books, they were immediately returned.

After my move, I never had any trouble receiving mail forwarded by the USPS, but the IMPCL claims notices were sent to my previous address. Had I known about the fees, I would have made arrangements to pay them before going to collection. The amount of the fee certainly isn’t worth having a negative trade line on my credit report.

I would like to request a pay for delete compromise to remove this collection record from my credit reports. If there’s any additional information you need, please let me know.

Very hopefully yours,

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Better off just sending a simple dispute. If you really want to PFD, you'll need to get on the phone with someone who can authorize such things. A mail drone can't.

You can't dispute it after a year, can you? Besides, I know they'll be able to verify as the original amount was for like $250 and called the library and negotiated it down to $50. This is reflected on the CR from the initial amount to the amount due.

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