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Tag Archives: pay to delete

Asset Rich But Cash Poor. Want to Settle My Debt and Pay for Delete

family portrait

“Dear Steve, I have a different problem than a lot of your readers. I have lots of assets, but my income is very limited. I have property worth about a million dollars, but because it is more than 5 acres with a manufactured home no one will loan against it. In about 2 years will start collecting social security so ... Read More »

I Would Gladly Pay to Delete My Negative Credit Report Entry

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“Dear Steve, Chargeoff with closed Lowe’s credit card from 1/2011 they sold to Portfolio Recovery. Showing on Experian as CO from Lowe’s and Collection, paid less than in full from Portfolio. I negotiated payment with Portfolio but did it before knowing to ask for “pay for delete”. Disputed with BBB as junk debt buyer not authorized to list it…denied. I ... Read More »

I Heard I Can Pay to Delete Things on My Credit Report. Is That True? – Lori

eraser and word bad credit

“Dear Jared, Hi, I have quite a few accounts in collections that are delinquent. I am a young adult and have recently became more concerned with my credit score/history. I have heard many things about a pay-to-delete that can be sent to a creditor. I have some small inquires like $125 cable bill, $225 AT&T, and $147 to a gym. ... Read More »

The Collection Company Says They Will Clean Up My Credit Report if I Pay. – John

"Credit rating" handwritten with white chalk on a blackboard

“Dear Steve, I had a Doctors bill in 2010 I did not pay. Had several financial problems and were not able to get them paid. The collection company contacted me and stated that if I paid the bill in full they would send a letter to the credit burea’s removing the derogatories on my report and send me a copy ... Read More »

Should I Try to Pay to Delete Bad Items on My Credit Report? I’m Confused. – Sunny

stressed-woman

“Dear Steve, I have a few delinquent accounts on my credit. They have been there for a couple of years and it is to my understanding that it will stay on my credit for 7-10 years. I am 21 years old and just now trying to establish credit for myself but these accounts are making it pretty difficult. I have ... Read More »

I Paid for Credit Repair. Was That and Trying to Do ‘Pay to Delete’ a Smart Thing to Do? – Tiffany

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“Dear Steve, ONE year ago in march I paid a credit repair person over $500.00, they were recommended by a mortgage lender I saw. He told me it would take 4 to 6 months and my score will be were I needed it to be. Totally hasn’t been the case. I spoke with the manager of the company who knew ... Read More »

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