Thread: What is the likelihood?

That sucks. I'd get everything in writing, just like on your other question. Try a sample pay-for-delete letter to get you started.

Originally Posted by Magic69

That sucks. I'd get everything in writing, just like on your other question. Try a sample pay-for-delete letter to get you started.

I know, right?! Would you recommend sending the pay-for-delete verbiage via e-mail at all? I found the e-mail contact for the company's CEO / General Manager.

Thanks again!

You could try it and see if you get a response

Originally Posted by Magic69

You could try it and see if you get a response

True. He may file it in the circular electronic file cabinet known as the recycle bin.

Should I explain things to him as I did here or should I use the verbiage in the sample pay-for-delete? I keep reading not to accept liability for anything cause it may come back to bite you if you do.

Thanks Magic69. I really appreciate all of your advice.

Originally Posted by Magic69

You could try it and see if you get a response

Thought I would share the outcome of this one too. I, again, e-mailed - the Regional Manager in this case. I told the truth. That I paid what I was told to pay when I moved to another state and about two months later, I got two refund checks from them. Apparently, the second one they sent was a mistake.

Shortly thereafter, I got a call from someone in their budget office. She told me they would be removing the entry from my CR. Apparently, the manager's point of view was that they messed up so they should remove it right away... and they did.

I write some pretty effective letters / e-mails. I've written letters for others too. My biggest success was getting a significantly lowered APR and thousands removed in fees (the cardholder was an elderly mother of one of my co-workers).

Note:

Since I've done some things to get baddies off of my CR, I've been given a 7K USAA World Mastercard, a Kohls card, and a pre-approval of up to 50K for a car loan. My credit hasn't crossed the 700 mark yet (but it's close). I cannot thank forums like this for all the help they've provided. I hope I can return the favor and help others in a similar way.

Wow - awesome success story! Would you mind sharing a sample or two of the letters you've sent? Remove any personal info, of course, but they could really help other members get some ideas on how to do the same thing.

Congrats!

All you need to do is call them as ask them if they will issue you a deletion letter in exchange for paying the account in full. Most of them have no problem with this.