Here is a revised A&S letter with your suggestions. Any other recommendations? I am in Texas and so is Beall's. RE: Bealls Account # 00000 I am writing to request assistance with Beall's account #00000 shown on my credit report. The outstanding account # 000000 has a balance of $175.00. Be advised, I have not agreed yet that this debt is mine and I have the option to seek further proof from you of this debt. I am sure you are aware of my right to dispute this debt and request full proof of the obligation. Paying this unverified debt to you means little to me if we cannot mutually agree that you will report the debt as mentioned below. I am requesting, in return for my payment in full, your company notify the Credit Bureaus to delete this account from my files when payment in full is received. The Credit Bureaus have informed me that information can be removed from the credit report through the suppliers of information. To satisfy my debt, I will send you a check for the full balance of $175.00 with a restrictive endorsement that will constitute an accord and satisfaction and will take precedence over any previous terms. This will pay my balance in full and you will agree to remove the account from my credit files within 15 days of my payment. The amount of $175.00 will be sent to you within 5 business. I hope this is acceptable as it will fulfill my financial obligation to you.
