How to Get a Proof Paid in Full Letter

If you have a debt that's gone to collections, you might be concerned that your creditor will continue coming after you even after you've finished paying your debt. A proof paid in full letter can help avoid this. Getting proof in writing that you've finished paying your debt can be a good idea. This can protect you from mistakes and miscommunications with your creditors. It also makes sure that your situation is documented correctly, which can help you later on when you're trying to get the collections to record off your credit report. DoNotPay can help you clean up your credit report so you can take advantage of better financial opportunities. Here's what you should know about .

What Is a Proof Paid in Full Letter?

When you make your final payment on a debt, you can send a request to your creditor asking them to send you a response that confirms that you've paid off the debt. If you agreed to a payment plan, the letter confirms that you've completed the plan. These letters are a good way to confirm that your creditor won't pursue any further collections against you. If you have a debt that's gone to collections, it's a good idea to request a .

Getting confirmation in writing can help:

Protect you from further collections if your creditor makes a mistake or tries to demand more than you agreed to in your payment plan.
Confirm that your debt is paid off so you can start working toward getting the debt off your credit report.

How to Get a Proof Paid in Full Letter Yourself

When you make your final payment, send your lender a letter with your request. You can either send this electronically or by mail.

If you make your payments by mail.	You can enclose the letter with your payment.
If you make your payments online.	You can send your request electronically if your system has a secure messaging option.
If you can't contact your lender electronically.	You can check your lender's website to find their mailing address.

In your letter, you'll need to include:

The date you're sending it
Your contact details
The creditor's name and address
Your account number
The amount you're paying
That you've made your final payment
The date of your final payment
Your request for confirmation

You can also include a deadline for when you want to receive the written confirmation that you've paid off the debt. This increases the chance that the creditor will get back to you promptly.

Easily Get a Proof Paid in Full Letter With DoNotPay

Fixing your credit score once it's been damaged can be difficult and time-consuming. Getting a paid in full letter if your creditor doesn't cooperate can be enough of a challenge, and this is only the first step to getting the debt off of your credit report. Fortunately, DoNotPay has a fast, easy and successful solution. DoNotPay's Clean Credit Report product can help you fix whatever credit problems you're experiencing. Save yourself the time and stress involved in doing this yourself while getting the benefits of a higher credit score.

How to clean up your credit report using DoNotPay:

If you want to fix your credit report but don't know how to get started, DoNotPay can break it down into 3 easy steps:

Search Clean Credit Report on DoNotPay.
Prepare a recent copy of your credit report that you can use as reference.
Let us guide you through the 4 potential options:

If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
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.
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!
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.