What do I do to get a debt deletion from my credit report?

I've sent a letter to the creditor asking for a deletion in exchange for a 80% settlement. I have not received any responses or reply and its been at least 30 days. How do I request validation of a debt or do I resubmit a letter to the original creditor. This debt is four years old, I don't even though where its from. It is a utility company.

What do I do to get a debt deletion from my credit report?
They haven't responded because they don't want to spend the time/energy in doing want you want...The debt collector just wants your money and couldn't care less about your credit.





Send the debt collector a letter via certified mail + return receipt with the following statement:


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I am willing to settle this issue in exchange for your agreeing to remove this item from my credit file upon receipt of $ x from me. This account will be considered settled in full upon receipt of this amount. Upon a receipt from your company confirming agreement to these terms on your company’s letterhead with an authorized signature from a manager, I will mail you a USPS money order for this amount.


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This is called a Pay for Delete agreement. If they refuse to give you this written agreement first, there's no point in paying them. Never accept verbal promises...get the terms in writing first.

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