Best approach to do a Pay For Delete?

[RopeIsGettingShorter]

Just as the title says...what's the best approach to do a pay for delete? You can simply ask but so many of them say "we DON'T do that" or "we CAN'T do that". One lady was mean about it and I felt the need to dish it back and told her I can just wait a year and have it drop off or I could actually wait less than that and request an EE but I'd rather pay the debt and delete it now but she wasn't having it. So, what's a good approach? 

[FireMedic1]

How bout who are you talking about?

[RopeIsGettingShorter]

Sorry, I just kinda meant in general. So many entities give you the "we can't" or "we don't" right off the bat so I was just asking. For me, personally, I'm talking about Credit Central. Not even going to bother asking with Barclays. I had 2 OCs, Southern Finance and Cash Central, that said they would remove themselves once the debt was paid off but that was years ago and they have since reneged on that agreement and I have no paperwork from 4 or 5 years ago to prove it (of course). 

[FireMedic1]

There are some CA's that will do PFD. Even though its against their contracts with the CRA's. Those 2 upon research dont offer PFD. Best you can do is pay whats owed and it will appear to future lenders you paid your debts until they fall off. If "OC" was supposed to be CO. They wont go anywhere.

[RopeIsGettingShorter]

@FireMedic1 sorry, I thought OC was "original creditor". 

[FireMedic1]

They looked like CA's. Never heard of them. You have to go by no one PFD's. A few CA's do. OC's wont.

[RopeIsGettingShorter]

Yea I think they're regional lenders to GA and SC areas. 

[donkort]

Bow down in extreme prostration before the Gods, and plea, plea plea! ; - )

Seriously, it really seems to depend on the company.  Sometimes, one will pay for delete as a matter of policy; other times, it might take a letter to the president of the company.  Other times, I've seen people be successful with the "saturation" method."

[RopeIsGettingShorter]

Oh man I've been trying for a couple weeks to find out contact information for some higher ups over at Southern Finance to fire off some GW letters and it's been a nightmare. Trying to avoid having to sign up for any of those sites that will list them...for a fee. 

[FireMedic1]

ceoemail.com