I get the basic understanding of how pay to delete letters work. If the collection agency agreed to do this, how can I get the original mark off of my credit report. For example, I have a $1000 debt with chase, they charge it off and sell it to collection agency A. Collection agency A agrees to delete if I pay, but the original mark with Chase still exists. Is there any way to get the negative mark from Chase off. I have tried searching and can't find much information about this, thats why I am asking. Thanks a lot to anyone who can help.