Dispute letter template
Pay-for-Delete Letter
A letter that proposes paying a collection account in exchange for its removal from your credit report — with the agreement in writing before you pay.
Trade payment for deletion
A pay-for-delete offer asks a collector to remove the account from your report in exchange for payment. Collectors are not obligated to agree, and furnishers are expected to report accurately — so the key is to get any agreement in writing before paying a cent.
When to use it
- You have a collection you're willing and able to pay
- You'd rather it be deleted than show as “paid collection”
- You can negotiate and keep everything documented
What you get
- A pay-for-delete letter template
- Guidance on negotiating and getting written terms first
- Cautions on what to watch for before you pay
This template is an educational tool, not legal advice, and does not guarantee any specific outcome. We are not a credit repair organization and do not act on your behalf. You have the right to dispute inaccurate information on your credit reports for free by contacting the credit bureaus directly. Accurate, timely, and verifiable information generally cannot be removed from a credit report. Results vary. Consumer credit is governed by the FCRA, FDCPA, and CROA.
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