It is standard procedure for most furnishers to decline to put a pay for deletion acceptaqnce in writing.
The reason is that acceptance of PFD offers is directly contrary to their credit reporting agreements with the CRAs, who include specific reporting policies that furnishers are not to delete reporting based on payment of the debt.
Putting such agreements into writing thus raises concerns regarding compliance with their credit reporting agreements.
If a furnisher nonetheless agrees to deletion after payment of the debt, then in most cases, it is OK to rely upon their word without need for written confirmation.
An oral agreement is an enforceable contract, although oral agreements are by nature usually more difficult to prove if one needs to resort to a breach of contract action.
Most debt collectors are unlikely to go to court if faced with a breach of contract action. Deletion after the debt is paid and their collection closed does not cost them money, but going to court to defend a breach of contract action does.
I would advise accepting an oral promise.
This is 100% correct. I don't know why we insist on telling people to ask for a pay for delete when we all know it's a violation of the CRA agreements. While they can't under their contracts do a pay for delete, they can as a goodwill gesture delete the item (after it's paid). I know this is spllitting hairs but the whole pay for delete advice irks me.