Free Tool from Buy Smart Philly
Generate your personalized Pay-for-Delete demand letter in under 5 minutes and take your first real step toward deal-ready credit — today.
Watch: Jasmine explains the strategy (30 sec)
A Pay-for-Delete letter is a written offer to a collection agency: you pay the debt, they remove it completely from your credit report. It's a legitimate negotiation strategy — not a dispute, not a settlement. A clean delete.
Yes — collection agencies are often willing to accept 25% of the balance in exchange for deletion. It works best on older debts and third-party collectors. Jasmine has helped dozens of clients use this exact strategy on the path to closing their first property.
This tool is for educational purposes only. The letter is based on a proven template but is not legal advice. For complex situations — especially debts over $2,500 — we recommend booking a free Clarity Call with Jasmine directly.
Free. No payment required. Your info is never stored or sold.
Step 1 of 2 — Your Details
Enter your name and address exactly as they appear on your credit file so the letter is properly addressed.
We'll email you the letter so you always have it. No spam, ever.
Your information is used only to generate your letter. It is never stored on our servers and never shared with anyone.
Step 2 of 2 — Collection Account
Add the details from your credit report. Pull your free report at IdentityIQ if you need to.
Jasmine's Strategy: Offer 25% of the balance — most agencies accept it. Attach your check directly to the letter. Use a check, NOT a money order.
The company currently holding the debt — not the original creditor.
Found on your credit report or any collection notice. Don't have your report? Pull it here at IdentityIQ →
Your recommended 25% settlement offer calculates automatically below.
Jasmine's Recommended Offer
$0
25% of full balance — attach your check to this letter
⚖️ Educational purposes only. This letter is not legal advice. For debts over $2,500 or complex situations, we strongly recommend booking a free Clarity Call with Jasmine before sending.
Creating your personalized Pay-for-Delete
demand based on your information.
Save it as a PDF, copy it — then send via certified mail with return receipt requested.
✅ Copied to clipboard!
Get the agreement in writing on their letterhead BEFORE sending payment. Then mail your check.
Wait 15 days, then send a debt validation letter. Reply "CLARITY" to Jasmine on Instagram for the template.
Counter at 35–40% or book a Clarity Call — Jasmine negotiates complex situations in her Credit Restore program.
Watch: What happens after you send it (45 sec)
You just took the first step.
On your free Clarity Call, we review your full credit picture, identify every account standing between you and lender-ready, and build your exact path to your first Philadelphia investment property.
"I sent the letter on a Tuesday. By Friday I had a deletion agreement in my inbox. Jasmine then helped me get pre-approved in 90 days. I own a duplex now."— Monica, Buy Smart Philly client · West Philadelphia