A letter of deletion is a letter that you send to delete an entry on your credit report. Many times, if you have an unpaid debt, it will show up on your credit report. But, if you write the company a letter of deletion and include payment for the outstanding debt, they will retract their entry off your credit report. Many people don’t know about these, but they can really help your credit score.
Sample letter of deletion
Rodriguez Lenders Inc.
2436 Vernon Street
San Diego, CA 92121
Dear Collection Officer,
I am writing to delete item number #4534656 ($2200 debt) off my credit report.
As it turns out, I was not correctly notified of this debt at the time, and therefore it was not paid.
I am willing to pay the full amount (or a percentage, whichever is feasible) to have this record deleted of my credit report.
If you accept my offer, please respond with an approval letter stating the specific course of action I have to complete to have this debt deleted off my record. If I do not hear from you in 15 days, I will assume you do not accept my offer.