If you are ever faced with a SITUATION WHERE YOU NEED TO PAY a collection account, you should always try to send a letter "Pay For Deletion", to the collection agency or creditor.

You tell the collection agency or creditor that you will pay (in full or a %) in exchange for deleting the item from your credit report. It is a simple form they have to fill out to do it and it is done regularly by many agencies. Some collection agencies or creditors will try to say they can't do it but they are simply lying. They just don't want to do it.

ALWAYS get it in writing. If not, you have no legal ground to stand on. Below I have written  a sample "pay for deletion" letter.

NEVER send payment until you have a signed agreement from the agencies or creditors.

This letter is just an example, you can and should modify it if you wish.

BEGINNING OF PAY FOR DELETION LETTER

[YOUR NAME and ADDRESS]

[COLLECTION AGENCY NAME/ADDRESS]

[DATE]

To Whom It May Concern:

This letter is to inform you that the validity of this debt is disputed. The account number I have is the one listed on my credit report, which omits the last few digits.

Account: 9468767XXX

Because I have consulted  an attorney, I am aware of my legal rights and options against you.

In the spirit of compromise , I am proposing the following offer.

I am willing to send you certified funds in the amount of $___ in exchange for the following:

• Deletion of this account on any reporting agencies it resides on, including but not limited to: Experian, Equifax, and TransUnion.

• The above mentioned action takes place no later than 72 hours from receipt of agreed payment in certified funds.

C. You sending me the UDF verifying the above action was indeed completed via postal mail.

D. The understanding that this debt, was satisfied in full.

E. Agree to never discus this account with any party and never report nor cause to be reported this account to any reporting agency including but not limited to: Experian, Equifax and TransUnion.

Certified funds shall be construed as: Money Order, Certified Check, or Cash.

My letter should NOT be construed as an acknowledgement of liability for this debt in any manner.

My offer shall remain open for X business days from certified receipt of this letter.

If you agree to these terms and accept this agreement as described, then please send back your approval on your company's letter head. Make sure the letter is signed by a person with the authority to accept said offer and that your letter states the terms of this offer.

Your letter must be postmarked NO LATER than [5] business days from the date of certified receipt of this letter.

I look forward to your understanding and prompt cooperation.


Sincerely Yours,


[Your Name Here]

END OF LETTER