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Question By
TandB1

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Pay for delete response legit?
My wife recently sent out 3 different pay for delete letters to 1 CA for 3 separate accounts.The CA quickly responded with 1 letter pertaining to all 3 acconts
, agreeing to accept half of each account to settle each account. It also states we will delete from all national credit bureaus,we report twice each month,however that can take up to 90 days. What bugs me is All original amounts and info are typed. Settled amounts are in handwriting. I'm trying to make sure this response letter is not a trick and that these accounts are removed from her report after paying the 50%

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If this is on the CA's letterhead, that's a PLUS.  Does it have the account numbers of the three collection accounts?  Is it signed (preferably with the name typed beneath)?  Those are all really strong points.  But the fact that you do have a written reply would hold up in court should that ever be necessary.  I'd go for it.  Just be sure to hang on to this letter until after the whole business is completed.

Reply by
TandB1

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Thanks for your reply. . . Yes it has the letterhead and 3 separate account numbers. But signature isn't typed, only signed with ink pen, as are the agreed settling amounts. Ex.$1200 no promise...then written in ink is $600. Highlighted in yellow typed "Our client is willing to accept 50% to settle each account. We will delete from all National Credit Bureaus. We report twice a month,however that can take up to 90 days to process.

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