Pay for delete letter: Negotiate to remove negative listing

Submitted by Laura on Fri, 02/08/2008 - 06:27
Forums

What is a Pay for delete letter?

A Pay for delete agreement is normally made with the original creditor or a collection agency (CA) to remove an outstanding debt listing from your credit report.

If the name of the creditor or the CA gets listed in your credit report with a particular debt, you should first ask for debt validation by sending a Debt Validation (DV) letter to the creditor. Once your debt gets validated by the creditor, you need to send a Pay for delete letter.

A Pay for delete letter is sent as part of your negotiations with your creditor for a repayment plan to pay off your outstanding debt. If the creditor agrees to a Pay for deletion agreement, the negative listing gets removed from your credit report once the debt has been repaid in full. You should always get the Pay for delete agreement in writing so you have proof that the creditor agreed to delete the negative listing from your report, if they refuse to remove the negative item from your report after you pay off the debt.

Sample Pay for delete letter/Pay for deletion letter

Name of Collection Agency
Address of collection agency

Re: Collection Account for Original Creditor Account Number
Amount: $50.00

Dear Sir or Madam,

This is for your information that I am disputing validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account.

I am willing to pay this account IN FULL (or a settlement percentage, whichever is feasible) if you agree to immediately delete the account from the credit reporting agencies (namely Equifax, TransUnion and Experian) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

If you accept the terms of this agreement, the certified amount of $50 will be sent to your collection agency provided there is complete deletion of any reference to the debt from my file on all the credit bureaus that you have reported to, and the debt is validated. As the full amount demanded will be paid back, there should not be any waiting period to delete this item from the reporting bureaus.

Your agency should delete all information regarding the account from my credit files within 10 business days from the receipt of the payment, as mentioned in this agreement. The terms of this agreement will not be discussed with anyone but the original creditor. No third party will be informed if contacted and no acknowledgment of the debt, any kind of payment, or settlement will be discussed if I am contacted by the Reporting Agencies.

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agency's authorized signatory. This letter will imply a legal contract, enforceable under my state law.

If I do not receive an approval letter within 15 days of your receipt of this letter, I will withdraw this offer.

Please communicate regarding this account to the address mentioned below.

Your Name
Your Address
State Zip Code

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Mon, 08/19/2019 - 11:47 Permalink
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Thu, 08/29/2019 - 02:19 Permalink
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Sun, 09/01/2019 - 19:58 Permalink
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Mon, 09/02/2019 - 08:53 Permalink
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Winnipeg man guilty of murdering ancient woman

WINNIPEG The family of an Indigenous woman whose death prosecutors described as worse than any horror movie says there is finally justice now that her killer has been seen as guilty.

Not fair what went down to her, But I am fairly grateful that there was clearly justice for her today, Christine Wood dad, George woodgrain effect, Said saturday.

Evidence during the trial demonstrated that she was stabbed 11 times, Her can range f was slit and her skull and leg were broken. Blood was found all over Overby basement.

Did Christine sound die? Crown lawyer Brent Davidson asked in his closing address friday.

was already slaughtered. Second degree murder conviction carries a mandatory life sentence.

Wood was from the Oxford House First Nation in remote northern Manitoba and had travelled to Winnipeg the summertime of 2016. She was being at a hotel with her parents, Who were in town to aid a sick relative, The night she evaporated.

the family unit was extremely close, Her parents testified, And Wood texted her parents, Melinda hardwood, on daily basis. as soon as the young woman disappearance, Her parents spent months searching Winnipeg interested in hot latin women answers.

Wood body was found 10 months after she disappeared in a ditch near a farmer field just outside the city.

Court heard she had met Overby through the online dating sites website Plenty of Fish and they arranged to meet for a few drinks.

Was a meeting from which she could not return, Crown attorney Chantal Boutin said in trial.

Overby accepted to killing Wood, But his lawyer was asking for a manslaughter conviction because Overby said he didn remember what went down and didn mean to harm her.

He testified that he went back to his house with Wood but she started acting erratically and violently. After taking Wood down to his basement to show her a mouse skeletal frame, She came at him which included a knife, Overby discussed.

He said that whenever he blacked out.

He next remembered seeing Wood lying on to the ground in a pool of blood, He told court.

Sheila north, a member of family and a former grand chief, Said the trial was difficult on the family but it was important they stay strong to honour Wood memory. She shared a hug with Wood parents in court and they told various other in Cree that finished. Verdict sends an important message to Indigenous people on the lookout for justice, Added n,upper, Especially after recent much talked about acquittals.

Was fearful that something bad would happen and the Tina Fontaine experience happens again, When all people are so hopeful and then hopes dashed, She these. That didn happen that time. Body was pulled your own Red River in 2014, Which sparked national outrage and renewed calls for an inquiry into missing and murdered native women and girls. The man accused in the 15 year old death, Raymond Cormier, Was acquitted yr after.

Wood was not merely another statistic and her life mattered, being said Garrison Settee, wonderful chief of Manitoba Keewatinowi Okimakanak, Which is all about northern First Nations.

Tue, 09/03/2019 - 12:17 Permalink
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Thu, 09/05/2019 - 18:40 Permalink
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Sun, 09/08/2019 - 15:44 Permalink
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Wed, 10/02/2019 - 09:24 Permalink
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Thu, 10/03/2019 - 22:06 Permalink
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Fri, 10/11/2019 - 12:42 Permalink
James Mcneil (not verified)

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Fri, 10/11/2019 - 20:18 Permalink
Amanda7 (not verified)

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Sat, 10/12/2019 - 03:54 Permalink
Jasmine Ambrose (not verified)

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Tue, 10/15/2019 - 21:11 Permalink
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Tue, 10/22/2019 - 09:35 Permalink
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Tue, 10/22/2019 - 21:24 Permalink
David Carbajal (not verified)

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Sun, 10/27/2019 - 20:59 Permalink
Magret789 (not verified)

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Mon, 10/28/2019 - 21:36 Permalink
RANDY77 (not verified)

this is me keeping to my word ,testifying to the good works of the hacker QUADHACKED @ G M A I L . C O M . he helped me fix my credit . i had history of late payment,  repossessions, Hard inquiries and few collections i acquired in my downtime while i was struggling. this affected my finances so bad i had blemishing lurking on my report for years . i started tackling each one buy one, and on one occasion i paid $5000 once in clearing a debt and even pay advances for some. this didn't move my score to any reasonable significance, as i proposed and needed . i was seeking a mortgage loan and needed over a +100 units in credit score increase .then i met this hacker QUADHACKED at GMAIL . COM . He helped me expunge blemishes  successfully and increase my credit score to 780.I was left amazed, i promised i will share on few blogs if he could help me with this . of course he did and helped several others i recommended to him. hence i'm sharing his contact email address which you can send a message ,describing  the credit repair services you're seeking .
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Wed, 11/13/2019 - 12:32 Permalink
Jasmine Ambrose (not verified)

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Thu, 11/14/2019 - 22:57 Permalink
Jasmine Ambrose (not verified)

Thank you, a million times, for restoring back my hope “Action Credit Solutions”. You did everything that I wanted to accomplish. You kept to your word in helping me achieve my goal and I am very happy and satisfied with your services. This is the first time I’m seeing my credit score move from 522 to 790 after several attempt to remove couple of negative items ranging from bankruptcy, late payments, and car loan and to also increase my score to qualify me for mortgage loan. You guys are the best. Call them today with (737) 201-7316 or via ACTIONCREDITSOLUTIONS@GMAIL.COM

Thu, 11/14/2019 - 23:04 Permalink
Dowain (not verified)

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Sun, 11/17/2019 - 22:37 Permalink
Kim C (not verified)

I received a collection notice from a CA re: Directv bill. I checked my records and believe that there might have been a $209.45 bill left over when I terminated service. They are claiming that I owe a balance of $441.02. The last bill I received was for $203.00 then no bills for a month or two then suddenly a $441 bill and there was no early cancellation of a contract to incur fees.

Is it feasible that after I request DV that I only offer 50% to pay for delete?

Thank you!

Wed, 11/20/2019 - 21:25 Permalink
Shronda (not verified)

I have a 2005 Ford Explorer that need a new transmission. im unable to get it fixed as well as unable to pay the remaining balance of 2,188 left on the car. Late last year they put the account as "charged off" on my credit. Im unable to get another car with this still lingering. Im not sure what to do at this point considering the Kelly blue book value for the car is around $900. I would end up paying more than its worth. Any advise would be appreciated

Fri, 11/22/2019 - 16:40 Permalink
Graham Bell (not verified)

I had my credit reports fixed and score boost from 499 to 766 by one of the best underground hackers “TROVIAN CREDIT REPAIR”. I really don't know if it’s right to post this but they literally saved me and there are others out there like me who need help. Reach out to them on Email: TROVIANCREDITREPAIR@GMAIL.COM or call: +1 505 926 3648. They offer a long list of other hacking services like website hack, all social media hack, erasing bad records, phone cloning, GPS tracking, university database hack and grade change, retrieval of lost funds and documents, bank database infiltration, sales of blank ATM cards for universal withdrawal and many other services. I can't mention even half of it.

Tue, 11/26/2019 - 10:49 Permalink
Mariej7890 (not verified)

Marie Greenland Tennessee, I was losing my home due to my poor credit history. On my credit where several negative items, hard inquiries tons of bills low credit score between 456 470 and 490, I applied for loan and other things to keep me surviving but they proved negative these where trying times for me and my family but it ended in praise after I contacted GHOSTVIRUS7890@gmail.com +1 205 418 0498 for a solution through an online blog he carefully scrutinized and dispatched all disparaging items affecting my credit and increased my score to 800s credit score this was effective on the three credit lines.

Tue, 11/26/2019 - 22:22 Permalink
Fatima Lessa (not verified)

Team XAP did me a great deal with less the amount these scammers took from me. XAP CREDIT SOLUTION increased my score to 800, removed all the negatives, charge offs and marked late payments as on time payments. Contact XAP via XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704. This review is very imperative because this is a major issue that people go through. I know they will give you all the help you need. Note I am not on any financial obligation to write this 5 star review rather my way of saying a big thank you to team XAP.

Mon, 12/02/2019 - 12:08 Permalink
Jrddrj13 (not verified)

Hello,
I am currently homeless and unemployed due to multiple events over the last two years. I have a car that should have been repossessed in Oregon last year. I am now in another state with this car. I am upside down on it, with plates and registration expiring at the end of the year. I understand I should not contact the creditor unless I can pay off the loan which I will never be able to do in the foreseeable future. How do I reconcile this even though the debt has been “charged off”. The creditor just recently started re-contacting me after a year through email to “discuss important information” about my account. Are there any options I am missing here? Any helpful information is much appreciated. Thank you, juliarenee13@yahoo.com

Wed, 12/04/2019 - 20:27 Permalink
Andrea Freeman (not verified)

Email: HACKWEST@WRITEME.COM
Phone: +1 424 307 2638
Hi all! If you seek a reliable source for your credit issues, I think it's best you contact HACKWEST. My colleague mentioned about their services and how they clean up DUI report and Chex system. I wondered if they could actually fix my credit profile. I had a very low score of 455, some couple of bank charges and several collections. I really need this service but I barely trust the source due to some several cyber rip off attempts on me. To my surprise, they only asked for little information about me and a payment that's worth the value. After 5days my report was sound with positive trade lines posted on it including a revolving credit card and a 790 credit score. I sincerely recommend their services to you if you require a credit fix. Feel free to contact them and be rest assured of an excellent result. Cheers!

Thu, 12/05/2019 - 16:12 Permalink
Rodriguez8237823 (not verified)

I have been with Lexington firm for over 4 months and paying 99 dollars monthly but they have not been able to remove any negative and nothing good has been done so far. I realized that Lexington firm has been wasting my time and money after Ghost Virus threw more light on how credit repair works and maximum time it can be fixed. I got his number from a website +1 205 418 0498 I texted him and we discussed the process. I had a low score of 550 and 8 negatives all together including student’s loan, within 12 working days he fixed all of it and raised my score to exactly 796. I strongly recommend Ghostvirus7890@gmail.com for any credit related issue Chex system and DUI report as well.

Mon, 12/09/2019 - 20:38 Permalink
Manuela Queck (not verified)

I got notification from a forum and lot of testimony about XAP Credit Solution, I have been in need of help just to delete all the collections and charge offs on my credit report and looking for ways to boost my credit score to an excellent score before I came across XAP. I explained my problems to him and he told me to wait for 2 to 4 days and my score would be increased to a excellent one, am here to testify his good job so you guys can contact him and I am sure he is gonna offer you the best service you desire, I now have a FICO score of 810 and all those collections and charges have been eliminated completely from my report. Contact: XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704.

Wed, 01/08/2020 - 00:08 Permalink
Graham Bell (not verified)

I had my credit reports fixed and score boost from 499 to 766 by one of the best underground hackers “WESLEY CAGE CREDIT REPAIR”. I really don't know if it’s right to post this but they literally saved me and there are others out there like me who need help. Reach out to them on Email: WESLEYCAGECREDITEXPERT@GMAIL.COM. They offer a long list of other hacking services like website hack, all social media hack, erasing bad records, phone cloning, GPS tracking, university database hack and grade change, retrieval of lost funds and documents, bank database infiltration, sales of blank ATM cards for universal withdrawal and many other services. I can't mention even half of it.

Wed, 01/08/2020 - 21:01 Permalink
Lara Swan (not verified)

After being rejected by a mortgage company due to poor credit score of 490, I ran into an old friend who introduced me to ROCKBASE@PROTONMAIL.COM as devastated as I was and down, I explained my challenges to Rock Base Credit Repair. Just in 3 days I got my credit score raised to 790. I had a bet with my friend I was going to reveal the hacker to the world if he should fix my credit score. Well here I am recommending this life saving team. For your credit score & credit report issues, bank, social media, phone hacks and many more email or text Rock Base on +1 (972) 597 9704. Also be bold to let others know about their good jobs. Thanks

Wed, 01/15/2020 - 23:51 Permalink
Eric Sather (not verified)

Back in 2012 my wife and I were preparing for our wedding in august and I thought everything was well at my job because I worked very hard, I never showed up late and did more than what was required of me but my supervisor stabbed me in the back and laid me off less than 1 month before my wedding. Although I was still able to pay for the wedding however, after the wedding, I was in a very uncomfortable position as a newly wedded. I began falling behind on loan payments, medical bills, etc. that I owed which made my credit score plummet. I felt extremely bad because before I was married, I never made a late payment on a single bill. I was trying to figure out a way to build my credit score back up without having to wait several years so by GOD’S GRACE I was introduced to XAP Credit Solution by a family friend James who currently had his credit profile and CHEXSYSTEM fixed by XAP. XAP was able to quickly get every negative item removed from my credit report and increased my score far past where it was before it fell within a manner of 2 weeks. I applied for a high paying job which required a credit check and after the interview, I got the job and they offered to pay me $134,000 per annum just because my credit report showed that I am a responsible and reliable person. Contact: XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704, I completely recommend XAP Credit Solution for your CREDIT, CHEXSYSTEM and DUI report fix.

Sun, 01/19/2020 - 19:18 Permalink
Calon Jossy (not verified)

I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (X A P C R E D I T S O L U TI O N @ GM A I L . C O M and/or +1 ( 9 7 2 ) 5 9 7 9 7 0 4). Do well to mention my name to XAP. Cheers!

Tue, 02/11/2020 - 11:45 Permalink
puthen50@gmail.com (not verified)

I found a an unpaid account balance of $399 for my son. I don't know the collection agency but I knew the original creditor is MEDICAL BUSINESS BUREAU.
How can I solve this.

Tue, 02/11/2020 - 17:53 Permalink
puthen50@gmail.com (not verified)

I found a an unpaid account balance of $399 for my son. I don't know the collection agency but I knew the original creditor is MEDICAL BUSINESS BUREAU.
How can I solve this?

Tue, 02/11/2020 - 17:54 Permalink
Scott Murphy (not verified)

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Tue, 02/11/2020 - 20:54 Permalink