3-Collection Accounts. What should I offer? DV? PFD?

[quietstorm14]

PFD has worked with RJM from what I've read on some post. So I will send a PFD letter today. The amount is for $84 for a book club. I'm not sure if it's mine but I want this taken off my report as I'm trying to repair to obtain a mortage.

CENTRAL FINANCE CONTROL

PO BOX 66051

ANAHEIM , CA 92816

(800) 345-4261

Balance:

$778

Date Updated:

12/2010

Original Balance:

$550

Original Creditor:

MED1 02 FLORIDA MEDICAL CENTER

Past Due:

$0

Pay Status:

>Collection Account<

Account Type:

Open Account

Responsibility:

Individual Account

Loan Type: Collection Agency Attorney

Remark:

>Placed for collection<

Date placed for collection: [ 11/2005]

Estimated date that this item will be removed: 07/2012

NCO FINANCIAL

POB 4907

TRENTON , NJ 08650

(800) 273-6816

Balance:

$549

Date Updated:

01/2010

Original Balance:

$465

Original Creditor:

NCO ASGNE OF AT T

Past Due:

>$549<

Pay Status:

>Collection Account<

Account Type:

Open Account

Responsibility:

Individual Account

Loan Type: Factoring Company Account

Remark:

>Placed for collection<

Date placed for collection: [ 06/2008]

Estimated date that this item will be removed: 06/2014