Senior Contributor
Posts: 4,189
Registered: ‎03-24-2008
Re: How do I write an Pay for Delete letter?


mayaking01 wrote:

Would a letter like this work even if you know the debt is valid?


Welcome to the forums,



I've seen many threads on this board recently, that the CA's are reading just the first line and think you are disputing the debt, instead

of reading further to know it's a Pay for Delete letter.IMO, keep the letter simple. Google PFD letters or use the search function here.


I would suggest to do your homework first before sending a PFD letter,know your state laws, in some states sending a letter like this

can reset your SOL and you don't want that to happened,especially if the CA don't accept the agreement.


Let us help, start another thread and post the info about the debt, you want to use the PFD letter for.Smiley Wink

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?