Credit Deletion Letter

Credit deletion letters are usually sent by banks, credit institutions, credit card companies and collections agencies addressed to the credit bureau requesting them to delete a specific bad credit from the customer's credit report. Certain creditors don't draft these letters themselves but they certainly advise their customers/consumers on how to get their bad credit deleted.

There is no doubt that credit deletion letters are more effective than a credit dispute letter in removing a bad credit from the consumer's credit report. Here, you will find all the information you need in order to draft a credit deletion letter to the credit bureau.

We all know that one of the best ways to boost your credit score is by removing any bad or outstanding credit information from your credit report. You may not be aware of the fact that petty outstanding credits such as cell-phone bills, medical bills, unpaid insurance premium, credit card charges, etc., add up to a bad credit. Even a small amount of outstanding balance does play a significant role in reducing your credit scores by a considerable amount.

So the easiest way to get rid of this bad credit is by requesting the collections agency or the creditor to help you in getting this credit deleted from your credit report. Remember, they will only do so if you agree on paying the full amount due on your part. Here you may even ask them to mark the account as 'paid as agreed'. Most of the times you will certainly receive help from creditors and collectors for paying off your debts. It is quite difficult to obtain these letters from creditors and hence you will find professionals who are experts in securing credit deletion letters from creditors and collectors for a small charge, if you know where to find them - internet of course!

Find below our sample credit deletion letter for your reference. Here we are requesting a credit deletion letter from the collections agency:

Mr. Richard Brooke
191 East Vine Maple Ln
Union, WA 98592
Contact: 360-416-5631

October 17, 2011

Action Collections
3410 W Nob Hill Blvd
Yakima, WA 98902

Dear Collections Manager,

I am writing as a response to your letter dated October 3, 2011 regarding collection of $82.96 for the account number mentioned above. I wish to do us both a favor by settling my debt.

This is not to be considered as a commitment from my part to settle this debt unless I receive a response on my request, details of which are mentioned below.

I came to know recently that you are capable of changing the information you provide to the credit bureau as much as you are capable of providing the credit information itself.

I am definitely in a good financial state and I am willing to pay off the debts amounting to $82.96 without complete verification of the debt, in return for your commitment in deleting all the information regarding this debt as soon as possible upon settlement of the debt. I am aware of the mode of payment and I will certainly send in a check for the debt amount payable to your organization as soon as you I receive the desired response from your end.

Kindly note, that I urge you to refrain from sharing this information or any information regarding my credit balance, with any third-party.

Thank you for your co-operation.

Sincere regards,

Richard Brooke

Also, you can refer to Red Clause Credit Letter, Advised Credit Letter and Sample Credit Letter for more example of letters.