How pay for deletions work
Simply let us know what you can afford to pay the collectors, and we try and negotiate
the terms with your collectors and have the negative item deleted from your credit report.
Benefits of pay for deletions
Paying for a deletion is a way to improve your credit score without having to wait seven years for negative items to fall off your credit report. The results are permanent, fast, and save you money.
Types of collections we can settle
Pay-for-delete agreements can potentially be negotiated with any type of account that has gone into collections, including credit cards, medical bills, personal loans, auto loans, and more. Examples of debt we may be able to help with include:
We are incredibly grateful for the testimonials our clients have given us, as they serve as a reminder of the positive impact we have been able to make in their lives. We are happy for you, and grateful for your kind words.
Does pay for delete raise your credit score?
While every situation is different and there are no guarantees, removing a negative item from your credit report and reducing your debt-to-credit ratio through a pay-for-delete agreement could potentially raise your credit score.
How much should I offer?
Because every situation is different, the amount that can be settled for will vary and is dependent by the state’s statute of limitations. Typically, settlements range from 30-60 percent
Pay for delete vs. paid in full
While paying your bills in full is always the right thing to do, having a negative item removed through a pay-for-delete agreement, as opposed to simply paying it in full, could be more beneficial for your credit score. Ideally, both paying the debt in full and having the negative item removed would be the best-case scenario.
Do creditors have to negotiate?
While nobody is obligated to negotiate a pay-for-delete agreement (or negotiate at all, for that matter), we have found that most collection agencies are willing to negotiate to some extent.
How much is your pay for delete service?
We include pay-for-delete services, as well as debt settlement services, for free to our credit repair clients.