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Pay to Delete Letter Question

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manniesmommie



Joined: 22 Mar 2010
manniesmommie's page
Posts: 7



175 Magic Points

Subject: Pay to Delete Letter Question
 
Posted on Mon Mar 22, 2010 1:40 pm  

A collection agency has agreed to delete an item from my CR once payment is received, however, they are unwilling to provide me with a pay to delete letter? How do I know that they will fulfill their part of the agreement? What is other recourses do I have?
cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Mon Mar 22, 2010 10:36 pm  

tell me about the debt.

what is the orginal creditor?

when did this account become delinquent (last payment)?

tell them no letter no pay. They are probably planning to rip you off.
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Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: pay to delete letter
 
Posted on Tue Mar 23, 2010 4:48 am  

Hi Mannie,

You can send them a "Pay for deletion letter" (PFD) on your part. Send the PFD letter through certified mail, requesting a return receipt. Never go in for any kind of agreement without getting the agreement in writing. You will be able to get a sample PFD letter at http://www.creditmagic.org/repair/pay-for-delete.html . You can use this sample letter to write one according to your own situation.

Hope this helps.

Regards,

Aaron
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cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Tue Mar 23, 2010 10:22 am  

Actually Aaron there are states where sending a signed agreement to pay will reset the SOL. eek.

Also a PFD letter that is not on their letterhead and not signed by the CA isn't worth much more than the phone conversation. I am concerned about these guys. I think they may be trying to trick this person.
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TrickyDizick
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Subject: Pay to Delete
 
Posted on Tue Feb 01, 2011 7:10 pm  

What if I'm getting a letter from a collection agency but they are NOT on my credit report? If I agree to pay them, they have nothing to delete and the original creditor does not respond to any letters.
cinnamngrl



Joined: 01 Nov 2008
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Posts: 1320



6413 Magic Points

 
Posted on Wed Feb 02, 2011 12:08 pm  

It shouldn't be posted on your report, but have a specific discussion with them. Ask for a letter stating the debt is satisfied and there is no collection account and no report. it costs money for them to report and they should agree
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matzcrorkz
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Subject: iNZqjeSlvQXbvARTAa
 
Posted on Wed Aug 06, 2014 12:38 am  

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