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YOUR NAME
YOUR ADDRESS
CITY, STATE & ZIP CODE
Date
Sent U.S. Certified, Return Receipt Mail
Collection Agency Name
Address
City & State & Zip
Re: Collection Account or Creditor Account
Account #: xxxxxxxxxxx
Amount: $________
YOUR ADDRESS
CITY, STATE & ZIP CODE
Date
Sent U.S. Certified, Return Receipt Mail
Collection Agency Name
Address
City & State & Zip
Re: Collection Account or Creditor Account
Account #: xxxxxxxxxxx
Amount: $________
Pay for Deletion Sample Letter
by Lisa Phillips
www.rebuildcreditscores.com
by Lisa Phillips
www.rebuildcreditscores.com
More Resources
Dispute Chexsystems
ChexSystems is subject to
FCRA Rules and they must
investigate all disputes.
Debt Validation
Stop the collection process by
requesting a collection agency
to validate your debt.
Options to Foreclosure
There are options to
foreclosure, you do not have to
lose your home.
ChexSystems is subject to
FCRA Rules and they must
investigate all disputes.
Debt Validation
Stop the collection process by
requesting a collection agency
to validate your debt.
Options to Foreclosure
There are options to
foreclosure, you do not have to
lose your home.
I am willing to pay $_____ as and for full and final settlement of this account in exchange for an
immediate deletion of this account from any and all credit reporting agencies, including but not
limited to Experian, Equifax and Transunion.
This offer of settlement is not an admission or acknowledgment of the liability for this debt, but it is
merely a way of having this negative item removed from my credit files.
Certified funds in the form of a cashier’s check or money order in the amount of $______ will be
sent to (Name of Creditor or Collection Agency) if the following terms of this settlement offer are
agreed upon:
1. Full deletion of any and all references to this account in my credit files;
2. Full satisfaction of the debt;
3. No waiting period for the debt to be deleted from the credit reporting agencies since the debt
will be satisfied via certified funds;
4. (Name of Creditor or Collection Agency) agrees to delete any and all information referring to
this account from the all credit reporting agencies, including but not limited to Experian, Equifax and
Transunion, within ten (10) calendar days following receipt of full and final payment of agreed upon
amount; and
5. (Name of Creditor or Collection Agency) will not discuss the terms of this settlement with
anyone and if contacted by any third party, including any credit reporting agency, (Name of
Creditor) will not acknowledge that any settlement offer was made, accepted or executed and will
deny knowledge of debt.
If you are in agreement with the above terms, please prepare a letter on your company letterhead
agreeing to the above settlement terms, signed by an authorized representative.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer
or this settlement offer will be withdrawn.
Type your Name
(Never sign any correspondence to a collection agency, your signature may very well
end up on something you did not agree to or have knowledge of.)
(This letter is just a sample, feel free to modify as needed)
immediate deletion of this account from any and all credit reporting agencies, including but not
limited to Experian, Equifax and Transunion.
This offer of settlement is not an admission or acknowledgment of the liability for this debt, but it is
merely a way of having this negative item removed from my credit files.
Certified funds in the form of a cashier’s check or money order in the amount of $______ will be
sent to (Name of Creditor or Collection Agency) if the following terms of this settlement offer are
agreed upon:
1. Full deletion of any and all references to this account in my credit files;
2. Full satisfaction of the debt;
3. No waiting period for the debt to be deleted from the credit reporting agencies since the debt
will be satisfied via certified funds;
4. (Name of Creditor or Collection Agency) agrees to delete any and all information referring to
this account from the all credit reporting agencies, including but not limited to Experian, Equifax and
Transunion, within ten (10) calendar days following receipt of full and final payment of agreed upon
amount; and
5. (Name of Creditor or Collection Agency) will not discuss the terms of this settlement with
anyone and if contacted by any third party, including any credit reporting agency, (Name of
Creditor) will not acknowledge that any settlement offer was made, accepted or executed and will
deny knowledge of debt.
If you are in agreement with the above terms, please prepare a letter on your company letterhead
agreeing to the above settlement terms, signed by an authorized representative.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer
or this settlement offer will be withdrawn.
Type your Name
(Never sign any correspondence to a collection agency, your signature may very well
end up on something you did not agree to or have knowledge of.)
(This letter is just a sample, feel free to modify as needed)
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