No. of Recommendations: 0
My wife has a small (under $50) debt and we want to:

#1: Pay it (because it's legit), and
#2: Have any reference to it removed from her credit report.

I did this once before, when I pulled a copy of my report in preparation to start house (and mortgage) shopping. I found an old debt, and offered to pay it off if they'd delete it from my credit report. (It appeared on all 3 of the major bureau's reports.)

I don't remember the exact wording, but they did provide a written offer agreeing to request deletion of that debt from my credit report if I paid in full by date "x." I paid the debt, and 30 days later I got a 2nd copy of my report, and indeed it had been removed.

Is there some standard letter, or some specific wording we need to use?
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.