Kristofer Aguilera asked 5 years ago You know, I never realize how complicated your credit really is. I was over here, pretty happy that my score was inching closer to 600. So much so I said “What the heck” and attempted to buy a new car. 
Nice Try!!! .. Didn’t happen. Come to find out, those collections (Even though they’re paid) are hurting me even more than I thought. I have three remaining accounts that haven’t been paid, so I’ll be sending PFD Letters to those two OC’s, and since I got denied getting a new car, I’ll be using the $ 2,000 I had to put down, as a means to PFD the three I have.
Enter – Good will letters and PFD Letters
I’ve sent the following CA/OC’s Goodwill letters: I figured if anyone else wanted to know where I’m mailing it might help them?
|| OC || Capital 1 / Best Buy
PO BOX 30253
Salt Lake City, UT 84130-0253
||OC ||Capital One:
PO BOX 30281
Salt Lake City, UT 81430-0281
|| OC || Comenity Bank/World Fincinal Bank (Victoria’s Secret Card)
PO BOX 182789
Columbus, OH 43218
|| CA || Portfolio Recovery Associates:
120 Corporate Blvd Suite 100
Norfolk, VA 23502-4962
||OC & CA|| Credit Collection Services / Mediacom
||PFD||
PO BOX 9133
Needham, MA 02494
||OC|| TD Bank USA / Target Red Card
||PFD||
PO BOX 673
Minneapolis, MN 55440
Along with the letters, I attached proof of my payment to the OC/CA. Here’s hoping they’re feeling festive this holiday season.. 