Requesting Deletion of Negative Credit Information
Occasionally, a creditor will agree to delete negative credit information in exchange for a settlement agreement. Once the debt is paid, they’re willing to remove anything negative from your report and will sometimes report it as positive information.
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It’s easier to ask for this if you haven’t paid the debt yet, but are willing to settle in full. You can offer to settle in full as long as the creditor agrees to delete the negative information. Make sure you get confirmation in writing before you actually send a check or money order.
In the Appendix, you’ll find a letter that requests deletion of information from your credit report.
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