I am sure you are aware that paying a collection account does not bode well on a credit report and that merely having a collection on a credit report will have a negative impact whether paid or unpaid. We are both aware that paying this unverified debt is no benefit to me unless we can agree on the terms. The purpose of this settlement is merely to have this item removed from all reporting agencies. We both know you are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. Please do not quote to me that you are unable to do this, I am aware of both your rights as well as my own. However, in order to quickly resolve this account, I am willing to pay $_, if you agree to delete this account from any and all credit reporting agencies. As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. I only know of this account based on it being reported in my credit report(s).
#DELETE VERIZON IN HOME AGENT VERIFICATION#
I am unaware of this account and have no verification this debt is mine. This letter is to inform you that the validity of this debt is disputed. (Sent the letter out on November 4th, 2014)Īccount #: xxxxxx (your account number) as stated on credit report I found a template, tweaked it a bit and this is what I came up with. I opened up 3 secured Credit Cards, and researched Pay For Delete (Good Will Letters) and have heard so many horror stories. I decided to do some research on what I can do MYSELF to help my situation. I tried getting an auto loan for a $12k used car with nothing down and the offer I recieved was 24%APR with at least $6k down. I checked Credit Karma and saw that I am a 555 (transunion), and also used another app called Credit Sesame (Experian) which was 605. I have recently started a family, and will be needing a better car and purchase my first home in the next few years. $1700 of which is medical bills over 3 collection Agencies, $200 for Progressive Auto Insurance, and $50 in another medical bill. It has been 7 years, and finally the Judgement against me for the Motorcycle loan, and credit card stuff has come off COMPLETELY. I took out a motorcycle loan which I defaulted on, maxed out credit cards and went deliquent, and so on. In my college year I made some stupid decisions. I am 29 years old and have never taken Credit seriously in my life.
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