Pagar por eliminación: cómo negociar con cobranzas

Pay-for-Delete Strategy

What Is Pay-for-Delete?

Pay-for-delete (PFD) is a negotiation strategy where you offer to pay a debt in exchange for the collector removing it from your credit report.

Step-by-Step Process

Send a debt validation letter first — Establish your position

Research the debt — Know the statute of limitations

Calculate your offer — Start at 25-40% of the balance

Send a written PFD offer — Never agree verbally

Get written confirmation — Before sending any payment

Pay with money order — Don't give access to your bank account

Verify removal — Check all three reports after 30 days

Sample Pay-for-Delete Letter

Dear [Collection Agency],
I am writing regarding Account #[Number] with a reported balance of $[Amount].
I am prepared to pay $[Offer Amount] as settlement of this account, contingent upon your agreement to:
Accept $[Offer Amount] as payment in full
Remove all reporting of this account from Equifax, Experian, and TransUnion within 15 business days of payment
Provide written confirmation of this agreement before payment
If you agree to these terms, please respond in writing on company letterhead.
Sincerely,
[Your Name]

Success Rate

Smaller collection agencies: Higher success rate

Larger agencies (Portfolio Recovery, Midland): Less likely to agree

Medical collections: Often willing to PFD

Original creditors: Rarely agree to PFD

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