Pay-To-Delete

Paying off a collection can actually hurt your credit scores because you end up updating the date-of-last-activity on your report. This date change keeps that account on your credit report longer. We often see consumer pay collection items on their credit file for it only to get updated as "paid as agreed" or "paid collection" which doesn't help their credit score. There is only ONE way to fix credit -- remove the negative items from the report. This can be done through the credit repair process however if you'd like a quicker approach, the pay-to-delete will be a faster option. This is recommend for those who do not have extemely high collection debt. To fix credit, you MUST have the item deleted. This ebook will walk you step by step on what verbiage to use with the creditor and collection company to get a pay-to-delete.