Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

0 Contributions
0 People Helped
Pay for delete letter template

Can you suggest a Pay for Delete letter template?


Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
14 Contributions
51 People Helped
Most Helpful Response

Pay for Delete - Template

Helpful to 35 out of 38 people

I see this question a lot on CK, where can I get a pay to delete letter? how do I write one? what do yo say? ect..ect.. 

I am not too sure where I found this, it was either somewhere on CK buried in all the articles or it was a search I found online. But either way I wanted to share with you what I had used and have been successful. I had 4 old dept's cleared from my report to date. All ranging from 1-4 years old. 

Good Luck!

Name of Creditor


City, St. zip

Re: Collection Account for Original Creditor Account XXXXXXXXX

Amount: $XXX.XX

Dear Sir or Madam,

I am disputing the 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 $XXX 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


City, St. Zip

Reply by

1 Contribution
4 People Helped
Helpful to 4 out of 4 people

This is the letter I've been locking for! Thank You!

Top Contributor
13 Contributions
31 People Helped

Pay for Delete

Helpful to 5 out of 5 people

 There are templates that you can do a Google search for.  However, be well aware that no company really offers them anymore.  Even if they agree to it, they don't have to uphold their end because they are technically illegal.

I'd recommend disputing with the credit bureaus first.  You'd be shocked at how many creditors won't verify your information and collections disappear!

Reply by

2 Contributions
15 People Helped
Helpful to 1 out of 1 people

From what I've been told the only way it would be deemed "illegal" is if the person agreeing to the negotiation is not a legal representative of the company. Some colleciton agencies will say they aren't allowed to do it, so the next thing is to send the letter to the origianl creditor.

1 Contribution
0 People Helped

Question about letter

Are you putting the account number of top with amount owed then later stating that you do not know the account number . Not sure what to put and would like to use this.

3 Contributions
20 People Helped

If it is verified

But if it is verified -doesn't the seven years start over?

i looked at the dispute form - what reason do we give to dispute?  There was no "debt validation" given as a reason 

any help is appreciated

Reply by

1 Contribution
2 People Helped
Helpful to 2 out of 2 people

No, the 7 years is from the date that the account first went delinquent or you last paid them.

Results 1-4 of 4Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.