How to Write a Pay-for-Delete Letter to TrueAccord
A pay-for-delete letter is a written settlement offer to TrueAccord 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 TrueAccord
TrueAccord is a digital-first collection agency that works accounts primarily through email and web self-service rather than phone calls. It collects for lenders, fintech originators, and debt buyers, and is known for machine-driven settlement offers presented online.
What TrueAccord accounts look like on your credit report
- Online-lender and fintech installment balances
- Credit-card and buy-now-pay-later charge-offs
- Marketplace-lender receivables
What actually matters when you dispute with TrueAccord
- TrueAccord's automated offers change over time, but nothing presented in the web portal is binding until you have it in writing identifying the creditor and the reporting outcome.
- Written disputes still carry full FDCPA weight even though contact is digital — send a letter by certified mail rather than relying on the portal form.
- Ask which entity owns the debt; TrueAccord frequently services accounts for buyers rather than originators.
What a response from TrueAccord usually looks like
Because operations are automated, acknowledgements are fast, but full documentation still generally takes the standard 30 days and must come from the creditor or owner.
Where to send this letter
TrueAccord Corp.16011 College Blvd, Suite 130
Lenexa, KS 66219
TrueAccord is a digital-first collector; still send disputes in writing.
Step-by-step: sending a Pay-for-Delete Letter to TrueAccord
- 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.