1,2,3 Punch?

[mor]

Here's my situation:
I have 1 or 2 (depending on CRA) collections of $60 probably stemming from a utility company's final bill that never reached me. Anyway, that amount is insignificant compared to the damage done to my score. I would gladly pay it for delete. While I was reading about the different approaches in this forum, the idea occurred to me about modifying the 1,2 punch by basically adding to it a PFD punch.

Basically, write a letter saying:
"I don't recognize these charges, but the amount is so small that I would pay it if you could send me a letter saying that you will remove this from my report. It would save me and you a lot of time, while benefiting both of us financially.

If you cannot do that, consider this letter as my request for debt validation."

After this, I would follow the 1,2 Punch method, basically wait for confirmation that letter was received and then dispute with CRA.

What do you guys think? I am new to this and I would like to know if you guys see any pitfalls in this approach.
Also, would it be better to include a check with the letter (following the PFD guidelines in this forum) or just request the letter from them.

thanks!
mor

[chane]

I would probably keep them separate but, you can try it if you want. I would send a PFD and give them 30 days to respond. If they don't, immediately start the 1-2 punch.

You could also try the 1-2 punch first and then as a last resort, try the PFD. It's really up to you how you want to attack them.