Free Pay For Delete Letters: Samples, Templates & PDFs

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! 

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

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. 

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. 

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. 

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...

1. You could mistakenly ratify the amount claimed
2. You could extend the legal statute of limitations
3. You could extend the amount of time the collection could be on your credit report
4. 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. 

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.

Pay Per Delete Collection Companies Addresses

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. 

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.’

‘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.

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. 

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.