12 of 15 negative items listed on my credit report are for amounts under $250. Most of these accounts are "charge-off", but I need to get them off my reports. From what I've researched, it seems as though my only chance to get these items deleted, is to offer full payment of the debt, in return for their written agreement to completely delete the item, once payment is received. Does anyone have a sample letter that I could send to these creditors to request this action? Thanks!
