Pay for Delete Letter: Repair Your Credit (21 Samples)

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to you regarding the above-referenced account. I am willing to pay [Amount] in exchange for your agreement to completely remove this account from my credit reports with Equifax, Experian, and TransUnion.

If you agree to these terms, please send me a written confirmation stating that upon receipt of payment, you will remove the account from my credit reports.

Thank you for your time and consideration.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

This letter is regarding account number [Account Number], which appears on my credit report. While I dispute the validity of this debt, I am willing to resolve this matter to avoid further collection activity.

I am offering to pay [Amount] in exchange for your agreement to:

1. Completely remove this account from all three of my credit reports (Equifax, Experian, and TransUnion).
2. Confirm in writing that you will notify the credit bureaus of the deletion within 30 days of receiving payment.
3. Cease all collection activity related to this account.

Please send me a written agreement confirming these terms. Upon receipt of your written confirmation, I will send payment in the agreed-upon amount. If I do not receive your written agreement within 30 days, I will consider this offer withdrawn.

Thank you for your time and consideration.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to address the negative reporting of account number [Account Number] on my credit report. I am prepared to resolve this matter quickly and efficiently.

My offer is as follows: I will pay [Amount] in exchange for your *unconditional* agreement to *immediately* and *permanently* remove all references to this account from my credit reports at Equifax, Experian, and TransUnion, and to *cease all further collection activity*.

This is a *one-time offer* and will expire in 14 days. Your written agreement, explicitly confirming your acceptance of these terms, must be received within that timeframe. Failure to respond affirmatively will be interpreted as a rejection of this offer, and I will pursue all available legal remedies to protect my rights.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to you regarding the above-referenced account. I understand there is a balance outstanding. I am willing to offer a settlement payment of [Amount – smaller percentage of total] in exchange for a complete deletion of this account from all three credit bureaus (Equifax, Experian, and TransUnion).

I need confirmation in writing that upon receipt of payment, the account will be removed entirely from my credit reports. If this is agreeable, please send documentation confirming this arrangement.

Thank you for your time and consideration.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing regarding account number [Account Number], which appears on my credit report. Before I consider any payment, I am requesting validation of this debt. Please provide me with the following:

1. A copy of the original contract or agreement that created this debt.
2. Documentation showing that you have the legal right to collect this debt.
3. An accounting of all payments made and fees applied to this account.

Once I have reviewed the validation information, I may be willing to negotiate a settlement, including the potential removal of this account from my credit reports in exchange for payment. Please send the requested documentation within 30 days.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing concerning account number [Account Number], listed on my credit report. I am prepared to offer a partial payment of [Amount – Percentage between small and total] to settle this debt, contingent upon your agreement to remove the negative listing from my credit reports.

Specifically, I require written confirmation that, upon receipt of the agreed-upon payment, you will:

1. Delete the entire account listing from Equifax, Experian, and TransUnion credit reports.
2. Send written notification to each of the credit bureaus confirming the deletion.

This offer is valid for 30 days. Please respond in writing to confirm your acceptance of these terms.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to request a *goodwill deletion* of account number [Account Number] from my credit report. I understand that this account reflects negatively on my credit history. I am willing to pay [Amount], not as an admission of the validity of the debt, but as a show of good faith.

In exchange for this payment, I request that you agree to remove the negative listing associated with this account from Equifax, Experian, and TransUnion credit reports. Please confirm in writing that you will initiate this deletion process upon receipt of my payment.

Thank you for your consideration in this matter.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am interested in resolving the outstanding balance on account number [Account Number]. I am willing to enroll in a payment plan to pay off the debt in full, *contingent upon* your agreement to remove the negative listing from my credit report once the balance is paid.

Please provide me with details regarding available payment plan options, including the monthly payment amount and the total number of payments. I require written confirmation that upon completion of the payment plan, the negative listing associated with this account will be deleted from my credit reports at Equifax, Experian, and TransUnion.

I look forward to your prompt response.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to address account number [Account Number] appearing on my credit report. I have reviewed my records and, while there was a period of delinquency, I have consistently made payments as agreed upon since [Date – of consistent payment].

I am now offering to pay the remaining balance of [Amount] in full, in exchange for your agreement to remove the negative listing from my credit report. My consistent payment history demonstrates my commitment to fulfilling my financial obligations, and I believe a goodwill deletion is warranted in this situation.

Please confirm in writing that upon receipt of the final payment, the negative listing will be removed from Equifax, Experian, and TransUnion.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to you regarding account number [Account Number]. My research indicates that the statute of limitations on this debt may have expired on [Date – if known]. I am also concerned about the accuracy of the reported information, particularly regarding [Specific inaccuracy, e.g., the date of first delinquency].

Rather than pursuing a formal legal challenge, I am willing to offer [Amount] in exchange for your agreement to completely remove this account from my credit reports with Equifax, Experian, and TransUnion.

This is a time-limited offer. Please provide a written response confirming your acceptance of these terms within 14 days.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to offer a settlement for account [Account Number] in exchange for deletion from my credit reports. I offer [Amount] to completely remove this account from Equifax, Experian, and TransUnion. Please confirm your agreement in writing.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing regarding account number [Account Number]. Resolving this account benefits both of us. I am offering to pay [Amount] to settle this debt completely, provided you agree to remove the negative reporting from my credit files at Equifax, Experian, and TransUnion. This will allow me to move forward financially, and it guarantees you payment on a potentially uncollectible debt. Please confirm your acceptance in writing.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I have previously attempted to contact your office regarding account [Account Number] on [Dates – if known]. I am now willing to offer [Amount] to settle this debt in exchange for your agreement to remove all negative references to this account from my credit reports with Equifax, Experian, and TransUnion. Please respond with a written agreement outlining these terms.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to offer a lump-sum payment of [Amount] to resolve account [Account Number]. This offer is contingent upon your written agreement to remove all negative reporting associated with this account from Equifax, Experian, and TransUnion.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to address inaccuracies in the reporting of account [Account Number] under the Fair Credit Reporting Act. While I maintain that certain aspects of this debt are inaccurate [Specify inaccuracies IF KNOWN], I am willing to offer a settlement of [Amount] in exchange for complete removal of this account from my credit reports with Equifax, Experian, and TransUnion. Please confirm your agreement to comply with the FCRA by deleting this listing.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am writing to offer a settlement of [Percentage]% of the outstanding balance on account [Account Number], which equates to [Amount]. This offer is conditional on your agreement to remove all negative information related to this account from my credit files at Equifax, Experian, and TransUnion. I require written confirmation of your acceptance.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

To avoid a formal dispute process with the credit bureaus regarding account [Account Number], I am offering a settlement of [Amount] in exchange for your agreement to completely remove this account from my credit reports at Equifax, Experian, and TransUnion. Please provide a written acceptance of this offer.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am offering [Amount] as payment in full for account [Account Number] in exchange for a “pay for delete” agreement. Please remove this account from my credit reports at Equifax, Experian, and TransUnion upon receipt of payment. Confirm your agreement in writing.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

Due to unforeseen financial hardship, I am offering [Amount] to settle account [Account Number]. This offer is contingent on your agreement to remove all negative references to this account from my credit files at Equifax, Experian, and TransUnion. Obtaining better employment requires an improved credit score, and deleting this account would significantly help me.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am prepared to resolve the matter regarding account [Account Number]. My willingness to make payment is conditional on your verifiable agreement to remove the record of this account from my credit reports maintained by Equifax, Experian, and TransUnion.

I am willing to pay [Amount] to settle this debt ONLY if you provide written assurance that, within [Number] days of receiving payment, you will:

1. Remove the account entirely from all three credit bureau reports.
2. Send me written confirmation of the deletion.

If the record is not removed, the payment arrangement is considered void.

[Collection Agency Name]
[Collection Agency Address]
[Collection Agency City, State, Zip Code]

RE: Account Number: [Account Number]

Dear [Collection Agency Representative],

I am making an offer for account [Account Number] that is entirely predicated upon its deletion from my credit reports. I will remit [Amount] as full settlement in exchange for verification that this account will be completely removed from the reporting by Equifax, Experian, and TransUnion credit bureaus.

It is imperative that you provide confirmation of this agreement in writing within [Number] days of the date of this letter. Without timely confirmation, the offer is retracted. The confirmation should also specify the date on which the account will be removed, to allow me to subsequently verify.

I look forward to your expedient response.