Pay for delete

Hi!
Welcome to the forums!

Yes, it is possible to negotiate a pay for delete with credit card companies when you are currently late on your bill. Usually, creditors are willing to negotiate a settlement with the consumers when they are delinquent on their accounts for few months. You can use the following sample letter to negotiate a pay for delete agreement:
http://www.debtconsolidationcare.com/credit-repair/pay-for-delete.html

nelly, the letter you posted requests "validation like" items. the OC said they are settling with the credit card co so they would have no requirement to respond to the letter. that letter just doesnt seem very appropriate for these circumstances.

Paid for deletes are rare...most creditors wont do them.

since none of your accounts are delinquent the only way they would settle is if you fell behind.that would hurt your credit and this loan woul be out the window.the only scenario is to close those accounts,and pay the balance,but isn't that what the loan your acquiring is going to do anyway?doesn't make sense.

Ok, I already have the loan so I don't have to worry about that part. I don't want to close the accounts if I am going to pay them in full since it looks better on your credit to have open accounts with no balance. My banker basically used her own personal judgement to approve me with the agreement I would pay off some of these credit cards. So I have free reign with how and who I pay, but she said she didn't want to know about details id I settle. That's why the settle for delete questions....I think I could manage the damage from some late payments on my credit since its not permanent. Whereas if I settle its there for seven years.

Does that help explain the situation any better?

I'm trying to get rid of as much debt as possible with putting that seven year "settled" on my credit report.
Thanks!