Pay For Delete


Occasionally you may want to offer a settlement to a creditor or a collection agency in return for them to delete all of the information regarding the account. In that case, you must always be sure to get their promise in writing. Here is a sample pay for delete letter. At 724credit we have a full selection of credit repair letters samples.

Your Name
Your Address
Your Phone #

Collector’s Name
Collector’s Address


Dear Collection Manager,

Re: Account Number__________

This letter is an offer to amicably settle the above account. It is not to be construed as an acknowledgment of my liability for this debt in any form. I’d like to notify that I’m not acknowledging or accepting that I owe this debt. This is because the debt hasn’t been verified yet. This letter also doesn’t imply a promise to pay the debt unless you provide a response as detailed below.

I am aware of the fact that your company can report the debt to the credit bureaus as you find necessary. Moreover, you have the ability to change the account status since you are the information provider.

I am willing to offer $__________ as payment or settlement of the debt in full in return of your agreement to remove all information on this account from my credit report within 10 calendar days. If you agree to the terms, I shall send you a certified payment of the amount stated above in exchange to have all information on this debt account deleted from my credit report.

I hope you’ll also agree to not discuss this offer with any third party (except the original creditor). If you find my offer acceptable, please send me a letter agreeing to the terms. It will be convenient for me if your authorized agent signs the letter.

The letter should be subject to the laws of my state and treated as a contract.

Thank You,
Your Signature
Your Name

Before making any payment in the case of a pay for delete, make sure that you receive a legally binding response back in writing.



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