Are you tired of searching for free sample Pay-For-Delete letters only to end up reading a bunch of nonsense and not getting what you were after? I was too!
After much testing we have put written a great example of a Pay-To-Delete letter that you can use to get started.
Look no further and get a free sample pay for delete letter now!
Increase Your Credit by 100+ Points
In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.
Consultation is quick, easy, and free.
A Pay-Per-Deletion letter is not guaranteed to work every time, but it does work quite often (and it's free). Best of all, if you can successfully get a negative collection removed from your credit, your credit score can increase as much as a 100 points!
There's just one thing for you to consider before taking on your credit history all on your own...
Free Pay For Delete Templates
All of these free sample template pdf letters work great. Click on any one of them to open the PDF file, although we do ask for an email.
Feel free to copy and paste them or download them.
You may change them or use them exactly how they are written.
If you write one that has success, please email it to us, and we may add it to our list. Just like Rochelle did here:
"I used your Pay-For-Delete template and my score went up 61 points. Thank you!" - Sarah Thompson, Panama City, Florida
Click On A Sample Pay For Delete Letter Template Below For A Free PDF Example
Want a second opinion about how to tackle your credit? Speak to the pros!
(Free Consultation)
In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more. If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help. Check out our #1 choice for professional credit repair.
Why You Need A Pay-For-Deletion Agreement
Having a collection on your credit report is an absolute credit score killer, but you may get it removed with a successful Pay-To-Delete letter.
Essentially how it works is that you offer to settle a claim contingent upon them agreeing to delete the negative collection record from your credit records.
Poof… and just like that, it is like the negative record was never there.
This article includes free pay delete letter samples, templates, and PDFs.
Inside this article, we will explain how to write a pay for deletion letter along with some potential pitfalls to watch out for.
Want a second opinion about how to tackle your credit? Speak to the pros!
(Free Consultation)
What Is A Pay To Delete Letter?
A pay to delete letter is exactly what it sounds like.
Here's how it works...
You offer to settle a debt with a Pay-For-Delete Letter.
If the collection company agrees to what you proposed in your letter, then they will delete the negative collection record from your credit report upon receiving payment.
A Pay-For-Deletion letter is sent to a creditor or collection company that you owe money to and has filed a negative record against your credit.
You must use specific language when making an offer on an open collection account because the letter could be used against you in a lawsuit.
If the collection company accepts your offer, be sure to get it in writing or email.
Once you have paid the agreed-upon amount, the collection company will then delete the negative collection records.
According to Lexington Law, having a collection account deleted off of your credit record can increase your credit score as much as 110 points.
Strategies To Include In Your Pay Per Deletion Agreement
In most cases when a pay to delete letter is appropriate it usually involves an outstanding debt that is attempting to be collected.
The company attempting to collect this debt will usually have legal remedies available such as a civil lawsuit.
So if you send them a letter admitting that you owe the debt they could use that as evidence in a lawsuit against you.
Wanna Know the Easy Way to Repair Your Credit?
In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more. Get help from the pros! Check out our #1 choice for professional credit repair.
As you write a Pay per deletion letter keep in mind that you must choose your words carefully.
Because if you don’t, the following things could happen...
- You could mistakenly ratify the amount claimed
- You could extend the legal statute of limitations
- You could extend the amount of time the collection could be on your credit report
- You could inadvertently open yourself up to a lawsuit
Luckily, you can speak with our top rated credit repair company about preparing a pay per delete letter for you.
Of course, we have provided some really good sample Delete for pay letters for you to take a look at.
(Free Consultation)
Are Pay For Delete Letters Illegal Or Unethical?
Some people have a problem with the Pay-to-delete letter because they say it is unethical to deny a debt that was yours.
I would argue that within ALL collection attempts the amount owed is inflated and wrong.
The original creditor has tacked on numerous late fees, some of which probably were not in your contract, see lawsuits against Wells Fargo, Bank of America and Chase Bank for doing just this.
By the time the debt gets to a collection agent who adds their fees that aren’t allowable but added anyways, the amount of debt reported is bogus.
So when if I send a pay for deletion letter, I am not admitting to the total amount owed, I am just saying, I will pay you off because you are screwing my credit score and there is no other option.
In many cases wrongfully charged collection accounts get paid by good people simply because it will cost them a whole lot more money if they do not.
A pay agreement to delete collection letter is not an admittance of a debt, it is an offer to settle a dispute, you are not admitting anything.
And if you are not admitting to the debt then you are not denying a debt that was yours since you never admitted to it.
They call this a legal fallacy and it is the reason you should be able to sleep tonight because you have done nothing unethical or illegal.
(Free Consultation)
Pay Per Delete Collection Companies Addresses
Portfolio Recovery Pay For Delete
4330 La Jolla Village Dr, San Diego, CA 92122
Portfolio Recovery Associates Pay For Delete
4330 La Jolla Village Dr, San Diego, CA 92122
Enhanced Recovery Company Pay For Delete
8014 Bayberry Rd, Jacksonville, FL 32256
Diversified Consultants Pay For Delete
10550 Deerwood Park Blvd #309, Jacksonville, FL 32256
Jefferson Capital Systems Pay For Delete
16 McLeland Rd, St Cloud, MN 56303
IC Systems Pay For Delete
444 Hwy 96 E, St Paul, MN 55127
Stellar Recovery Pay For Delete Collection
4500 Salisbury Rd, Ste 105, Jacksonville, FL 32216
Phoenix Financial Services Pay Per Delete Collection
PO Box 361450, Indianapolis, IN 46236
Convergent Outsourcing Pay To Delete Collection
PO Box 9004, Renton, WA 98057-9004
National Credit Systems Pay For Delete Collection
P.O. Box 312125, Atlanta, GA 31131
Hunter Warfield Delete For Pay Agreement
4620 Woodland Corporate Blvd, Tampa, FL 33614
Cavalry Portfolio Services Pay Agreement For Delete
4050 E Cotton Center Blvd, Phoenix, AZ 85040
Pinnacle Credit Services Pay Agreement To Delete
7900 MN-7, St Louis Park, MN 55426
Ad Astra Recovery Services Pay Per Delete
7330 W 33rd St, Wichita, KS 67205
GLA Collections Pay To Delete
2630 Gleeson Ln, Louisville, KY 40299
Capital One Pay Agreement For Delete
P.O. Box 30279, Salt Lake City, UT 84130-0279
Midland Funding Pay Delete Agreement
350 Camino De La Reina, San Diego, CA 92108
IQ Data International Pay Per Deletion
P.O. Box 340, Bothell, WA 98041-0340
The Thomas Agency Pay To Delete Agreement
PO Box 6759, Portland, ME 04103
Southwest Credit Systems Pay Per Delete
4120 International Pkwy #1100, Carrollton, TX 75007
Caine And Weiner Delete For Pay
5805 Sepulveda Blvd 4th floor, Sherman Oaks, CA 91411
EOS CCA Pay To Delete
700 Longwater Dr, Norwell, MA 02061
(Free Consultation)
Why YOU Should Not Send A Pay-For-Delete Letter
Unless you have the time and experience with do-it-yourself credit repair and Delete for pay letters, I'd advise you to speak with a credit repair service first.
Our top recommended credit repair service will provide you with a free consultation and help answer any questions on your proposed strategy.
Be sure to do a lot of research before writing a DIY dispute letter, according to Jason Kaplan, Attorney-at-Law and the Owner of The Credit Pros, one of the largest and most respected Credit Repair Companies in the United States.
Kaplan explained how the credit bureaus E-Oscar dispute matrix works and why you have to ‘be careful about the language you choose in dispute letters.’
Kaplan told us that when the credit bureaus receive a dispute letter that they assign it a 3 digit specific credit bureau code based on the language used in the letter. ‘If the dispute does not correlate to a specific code, the dispute will be bucketed into a catch-all category and the tradeline will have a lesser chance of deletion due to its lack of specificity.’
Once the first dispute is denied it, Kaplan said it, ‘is a full time job to understand all the different forks in the road.’
Low Credit Score?
Get a free consultation with a credit repair expert to see how much they can help your credit score.
It's quick, easy, and free.
‘If a dispute is denied,’ where you start depends on a number of factors, Kaplan explained.
For instance, ’Was the debt verified with documentation and if so is the documentation provided in line with Federal Trade Commission guidelines and state law?’
Or maybe, ‘Was the dispute deemed frivolous and if so what did the creditors or credit bureaus use to arbitrarily decide?’
These are just a few of the questions that have to be asked after a credit dispute is denied.
Mr. Kaplan further told us, ‘There are specific judicial decisions that will apply depending on your jurisdiction. Has the denial decision been covered in subsequent settlement agreements like the one in 2015 between the New York Attorney General’s office?’
As you can tell, disputing records on your credit report is extremely detail sensitive.
Consider speaking with a professional agent at our top rated credit repair company before making any credit disputes.
(Free Consultation)
What To Do If Your Settlement Letter Does Not Work
If your Delete for pay letter does not work you should consider paying off the debt you owe.
This is because it will still continue to negatively affect your credit records.
Plus, once it has been paid off and closed, you may be able to attack the negative record with a Section 609 credit dispute letter.
Did you know?
48% of credit repair customers saw a 100 point or more credit score increase after 6 months.
That means that if anything is incorrect, you have the legal right and duty to dispute the record.
You can dispute the negative record if the collection company has furnished information to the credit bureaus that is possibly incorrect like a middle initial, the date of the settlement, or the amount of the debt.
*Respondents stayed with their credit repair company for 6 months or more.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.
Additional Credit Repair Resources
Credit Repair Company Reviews:
DIY Credit Repair:
Free Section 609 Credit Dispute Letters - Samples, Templates, & PDFs
How To Submit A Section 609 Letter
Free Goodwill Removal Letters - Samples, Templates, & PDFs
How To Write A Hardship Letter - Free Samples, Templates, & PDFs
Credit Repair Statistics, Studies, & Whitepapers: