How to Write a Pay-for-Delete Letter to Radius Global Solutions
A pay-for-delete letter is a written settlement offer to Radius Global Solutions in exchange for complete removal of the account from your Equifax, Experian, and TransUnion credit reports. Collectors are not legally required to agree, but many will — particularly on older debts they bought for pennies on the dollar. The key is to get the deletion agreement in writing before sending any payment.
About negotiating pay-for-delete with Radius Global Solutions
Radius Global Solutions is a third-party accounts-receivable management company formed from several predecessor agencies, including Central Credit Services. It collects on behalf of clients across credit-card, telecom, utility, and healthcare sectors, generally on a contingency basis rather than as a debt purchaser.
What Radius Global Solutions accounts look like on your credit report
- Credit-card placements from bank and retail issuers
- Telecom and utility final balances
- Healthcare receivables placed by providers and hospital systems
What actually matters when you dispute with Radius Global Solutions
- Radius operates under names inherited from acquired agencies. Confirm the exact reporting name on your credit report and reference it in your letter so the tradeline is matched.
- For healthcare balances, ask for an itemized bill and the insurance explanation of benefits — provider placements often precede final insurance adjudication.
- Because Radius collects for clients, an unvalidated account is usually recalled rather than defended.
What a response from Radius Global Solutions usually looks like
Expect a written response within 30 days. Radius typically either supplies client documentation or closes and returns the account, which results in the collection tradeline being deleted.
Where to send this letter
Radius Global Solutions LLC7831 Glenroy Road, Suite 250
Edina, MN 55439
Radius Global Solutions (formerly Central Credit Services) dispute and validation correspondence.
Step-by-step: sending a Pay-for-Delete Letter to Radius Global Solutions
- Verify the debt is still within your state's statute of limitations.
- Generate your pay-for-delete offer (typically 40% of the balance).
- Mail the letter Certified — never call or pay over the phone.
- Only send payment after you receive a written deletion agreement.
What to expect
14–30 days when the collector engages; some go silent and require a follow-up.
Third-party collectors are free to negotiate deletion as part of a settlement, and many will respond within a few weeks. Never pay until you have the deletion agreement in writing on company letterhead.
Frequently asked questions
Is pay-for-delete legal?
Yes. Collectors are free to negotiate the terms of payment, including deletion. The original creditor's contract with the bureaus discourages it, but third-party collectors routinely agree.
What percentage should I offer?
Most negotiations settle between 30% and 50% of the original balance. Our generator suggests 40% as a starting point.
Will paying restart the statute of limitations?
In many states, a payment or written acknowledgment can restart the clock on the debt. Confirm your state's rules before sending payment, especially on older accounts.
Can I fax a pay-for-delete letter?
You can if the collector publishes a fax number, but always get the deletion agreement in writing first and send your offer by certified mail so you have a dated record. Never negotiate deletion over the phone.