PFD questions

QuestionsPFD questions
asked 4 years ago

I am very new to all of this, so, please, bear with me. I want to apply for a mortgage, but I have an old account in collections, probably about 4 years old or so. If I simply settled this account, would it count against me? Or should I pay it in full? Or should I go for the PFD? If I go that route, how do I start? I have read a lot of advice that says to send a DV letter first, but are they even required to validate after this long? And would it be wise to offer the full amount?
I feel I must say that no one is bothering me to pay this account. No letters, no phone calls, nothing.
The debt is for a little over $ 1000. It is from Procollect.
Cole’s Credit Repair Fall 2013 Specials for Debt Elimination Packages and Services

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