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Years ago I managed to get a collection account deleted from all of the big 3 by offering to pay the money owed. (I didn't just send the money; I sent a letter asking them to agree in writing to delete. They agreed, I sent the money, and poof, collection account disappeared from my credit records.

I learned that trick from this very board!

Now I'm home shopping, which means I'm also mortgage shopping. I'd like to bump my credit score, and I have two accounts in collections, both a few years old.

I'd like to try the same trick again, but before I do, I thought it best to ask here for advice.

Anything I should know before I send my offer letters?
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