Best Way to File for Pay for Delete with Bonneville Collections

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Pay for Delete With Bonneville Collections

Bad credit reports can significantly lower your credit score. Thus, to improve their credit score, some debtors offer to pay an agreed amount in exchange for a clean credit report. Unfortunately, even a agreement may fail to clear your credit card report and instead lower your credit score further.

When this occurs, you will end up losing twice – first, the money you spent clearing the debt, and second, your credit score becomes even lower. Do you know what that means? That you won't receive any of the privileges of a good credit score.

Luckily, there is a way to fix your credit score without spending money on a pay for delete strategy that is bound to fail. With the help of DoNotPay, the world's first AI Consumer Champion, you can easily remove a debt collection account from your credit card report and improve your score. Read on to find out how.

What Is Bonneville Collections Pay for Delete?

Bonneville Collections pay for delete is whereby the collection agency accepts to remove the debt collections from your credit card report in exchange for a certain amount that you pay them for that account. If Bonneville Collections or any other debt collectors report information to credit reporting agencies, they must give accurate and complete information. This means that pay for delete can be a gray area. In fact, the latest models used to rate credit scores are beginning to make the practice irrelevant.

How Bonneville Collections Pay for Delete Works

Bonneville Collections pay for delete begins with you making a call to the collection agency and proposing a deal where you will pay off the account, and they will clean the account from your credit reports.

However, such agreements are rare and credit card reporting agencies strongly advise against removing any accurate information from their reports. By law, Bonneville Collections must report to credit bureaus information that is accurate and free of any manipulation.

Bonneville Collections can also choose not to report the information and go the pay to delete route. This makes the practice morally questionable as it is deemed unethical and may lower the integrity of credit reporting.

What Is a Pay for Delete Letter?

A debtor can initiate pay for delete by contacting Bonneville Collections or submitting a formal request letter, otherwise called a pay for delete letter. The debtor should clearly state their intentions in the letter, including if they plan to pay the full amount or part of the debt. Thereafter, Bonneville Collections will decide whether to remove the account or not.

Unfortunately, pay for delete is not legally recognized; therefore, the law will not protect the debtor if Bonneville Collections decides to take the money and still fail to remove their account from their credit report.

Should You Use Bonneville Collections Pay for Delete?

The simple answer is no, and we have reasons to back it up:

  • Pay for Delete process is discouraged – As much as it is not prohibited, pay for delete is also not recognized by the law.
  • Pay for Delete might not increase your score.
  • Bonneville Collections may not follow through – After receiving payment, the collection agency may still not take your account off the report.
  • Your account will not go away entirely – Bonneville Collections, as a third party, cannot remove negative reports issued by the original creditor.

Alternatives for Pay for Delete That You Can Do On Your Own

Pay for delete isn't always a reliable way to clean your credit card report. Luckily, there are other legally accepted options you go for:

Request debt verificationBonneville Collections is legally required to send you a debt validation letter that summarizes the total amount owed and any other necessary information.
Dispute errorsIf you suspect any irregularities regarding your credit card report, you can submit a dispute through a credit dispute letter to a credit bureau who will open an investigation and determine whether the information provided is accurate.
Wait for the debt to fall offOnce 7 years from the first date of your debt default elapses, your account will be removed from your credit report. Even though your credit score may be negatively affected during this period, the effect will decrease over time.

What If You Still Can't Clear Your Credit Card Score?

Clearing your credit card score on your own can be just as stressful and tedious as removing late payments or inquiries from your credit report. Luckily, there is an alternative solution to the pay for delete method that will not only make your work convenient but also ensure that you don't spend extra money on Bonneville Collections without any fruitful results.

Solve Your Bonneville Collections Pay for Delete Issues with DoNotPay

DoNotPay is the world's first AI Consumer Champion designed to fight all your legal battles from the comfort of your house. Whether you want to clear your credit score or sue your debt collectors for inaccurate information, DoNotPay has you covered. Here are the 4 ways that DoNotPay will clear your credit report without paying any money to a collection agency.

  1. DoNotPay will file a goodwill removal request letter
  2. It will also send a credit dispute for inaccurate reports
  3. DoNotPay will submit a debt validation request
  4. It will finally mail a pay-to-delete negotiation letter

How to clean up your credit report using DoNotPay:

If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.

  2. Prepare a recent copy of your credit report that you can use as reference.

  3. Let us guide you through the 4 potential options:
  1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.

  2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.

  3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report, and they can't collect it!

  4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.

What Else Can DoNotPay Do For Cleaning Up Credit Reports?

Using option isn’t all you can accomplish with DoNotPay. Look at these other credit score related issues you can navigate using DoNotPay:

Sign up now and discover how easy life can be with DoNotPay.

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