First draft of an email I’m going to send to PRA to try and settle credit card debt (2 accounts) for spouse and myself. There is no danger of them suing, but items are still within SOL to report on CR. Wanted to get any input first! Thanks in advance 
——————-
Portfolio Recovery
To Whom It May Concern,
We are writing today to give a settlement offer on the following two accounts in exchange for removal from our credit reports:
(List accounts and offer 25% of full balance)
This is being offered solely as it pertains to BOTH accounts and we will only pay if BOTH accounts are settled and removed from credit reports. Per your previous communication and information on your website, all paid and/or settled accounts with Portfolio Recovery will be removed from credit reports within 30 days of payment.
Please note that we are prepared to pay TODAY on this offer. Additionally, this offer is valid only if BOTH accounts will be considered settled and subsequently removed from our credit reports. Rejection of offer will result in no monies being paid today. Please note that this is a package offer, and that the only way we will pay will be if we can settle BOTH accounts listed. There will be no guarantee of acceptance of any counteroffers.
This offer is not an acknowledgement of actual ownership or responsibility of stated debt; it is merely an offer to settle and have items removed from our credit reports with any and all credit reporting agencies. Your acceptance of settlement offer on BOTH accounts will result in payment immediately being rendered via telephone.
We await your response via email, and will only consider your response as valid by acknowledging amount acceptance and stating that upon receipt of payment, these items will be 1) considered as settled with no further action being taken to collect any further money and 2) your promise to have full trade line removed within 30 days of receipt of payment for BOTH accounts.
Sincerely,
(names and email listed)
——————-
Portfolio Recovery
To Whom It May Concern,
We are writing today to give a settlement offer on the following two accounts in exchange for removal from our credit reports:
(List accounts and offer 25% of full balance)
This is being offered solely as it pertains to BOTH accounts and we will only pay if BOTH accounts are settled and removed from credit reports. Per your previous communication and information on your website, all paid and/or settled accounts with Portfolio Recovery will be removed from credit reports within 30 days of payment.
Please note that we are prepared to pay TODAY on this offer. Additionally, this offer is valid only if BOTH accounts will be considered settled and subsequently removed from our credit reports. Rejection of offer will result in no monies being paid today. Please note that this is a package offer, and that the only way we will pay will be if we can settle BOTH accounts listed. There will be no guarantee of acceptance of any counteroffers.
This offer is not an acknowledgement of actual ownership or responsibility of stated debt; it is merely an offer to settle and have items removed from our credit reports with any and all credit reporting agencies. Your acceptance of settlement offer on BOTH accounts will result in payment immediately being rendered via telephone.
We await your response via email, and will only consider your response as valid by acknowledging amount acceptance and stating that upon receipt of payment, these items will be 1) considered as settled with no further action being taken to collect any further money and 2) your promise to have full trade line removed within 30 days of receipt of payment for BOTH accounts.
Sincerely,
(names and email listed)
From what I saw on their website they delete automatically 30 days after payment clears.
Starting Score: 494 503 521
