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PFD on old charge offs


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If its ONLY the OC that's reporting, and you can get them to agree to a PFD...no...it won't hurt and might help. Note, however, most OC's don't do PFD.

But...if there is a CA reporting...and they agree to a PFD...they're lying. They can't speak for the OC...and the OC's TL may remain.

If the OC has sold it...and its a JDB reporting...getting the JDB to agree to a PFD will help...a bit...the OC's TL will remain and will hurt a bit.

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