Please Share Examples of Successful Pay for Deletes

Discussion in 'Credit Talk' started by JoshuaHeckathorn, Jun 18, 2012.

  1. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    A lot of people seem to think it's becoming impossible to negotiate a pay for delete with creditors.

    I, however, know there are recent examples out there, so please share yours with the rest of the community if you were successful in obtaining a PFD within the last 1-2 years.

    Looking forward to reading your stories!
  2. Pepper12

    Pepper12 Member

    Beleive it or not, i simply called the collection agency and politely asked them if they were willing to do a pay for delete on two old medical bills and surprisingly they said YES! A signed pay to delete letter was then faxed to me on their letter head and i mailed in my payment along with a copy of the pay to delete agreement and within less then a week they electronically removed both collections from all three credit bureaus! I did pay the total amount of the collection, they would not settle for less for a pay to delete. My FICO scores rose 29 points!!
  3. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Thanks Pepper...nice work! I know there are others out there so share away please!
  4. mindcrime

    mindcrime Well-Known Member


    I'd like to hear some RL stories as well. Any particular tactics people used?
  5. tiger00

    tiger00 Well-Known Member

    You hit the nail on the head....politely ask, and you'd be surprised with the results. I've also had several medical bills and another account I can't remember delete for pay.
  6. mindcrime

    mindcrime Well-Known Member

    The medical bills, were they still with the OC, and it was the OC reporting, or had they gone to collections?

  7. Pepper12

    Pepper12 Member

    They were turned over to a collection agency. FYI...alot of people say that it is impossible to do a settlement once you have a judgement with the court. Wellllll...just yesterday my sister called and made an offer for settlement for her 3 yr old judgement and they settled for less then 1/2!!! It is possible!!
  8. Logan Abbott

    Logan Abbott Well-Known Member

    That's great news - thanks for sharing Pepper!

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