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Pay-To-Delete

What is a pay-to-delete letter?

A pay-to-delete letter is a negotiation tool that you can use to ask a creditor or collection agency to remove a negative item from your credit report in exchange for payment.

When do we use a pay-to-delete letter?

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1. When a collection has been VALIDATED

Validated: When a creditor or collection agency has confirmed your clients report is 100% accurate

Note: Disputing Validated accounts is considered a frivolous practice under the FTC & CFPB

2. Time-Sensitive Clients

In cases where clients are impatient, a pay-to-delete option might be appropriate

Note: In scenarios like these, we will attempt a pay-to-delete while disputing the collection simultaneously

Conclusion

When does MSI perform a pay-to-delete?

• Validated Account
• Time-Sensitive Clients