Welcome! Here are some threads that will help you get started. I'm in Firefox at the moment, so these don't show as links. Just copy/paste them into your browser window.
Credit Scoring 101:
http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654
Pay for Delete Example Letter (PFD):
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2659
These come from the Frequently Requested Threads link at the top of this board.
After you read these, if you have specific questions, please post them here, and we'll see if we can help.
Credit Scoring 101:
http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654
Pay for Delete Example Letter (PFD):
http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2659
These come from the Frequently Requested Threads link at the top of this board.
After you read these, if you have specific questions, please post them here, and we'll see if we can help.