Pay for Delete Letter
A pay-for-delete request asks a collector to remove a collection from your credit report in exchange for payment. Some furnishers refuse; results vary. Ensure any agreement is in writing before paying.
When to Use
- Debt is valid and you’re willing to settle
- Collector is open to negotiation and policy allows deletions
Data to Include
- Collector name
- Account number
- Offer terms
- Deletion confirmation request