PTD is Best way to pay off your collection account💯 Pay-To-Delete. You down with PTD? Yeah, you know me. You down with PTD? Who's down with PTD? Right? So pay to delete, right? It's a promise between you and the collection agency that once you pay them off, they promise to delete it off your credit. So it's a four step process, Step one is you can settle for less than what you owe. Most times they'll settle for 50% of what you owe. So let's say you owe $5,000, right? You can start off by negotiating at 25% of what you owe. So let's say, you know, in my life savings account, I have $1,000 that took me three years to accumulate. I can pay you now with that $1,000 from my savings account and see if they bite. If they say yes, okay, perfect. You just settled your collection for 25% of what you owe. If they say no, you're basically you're gonna go back and forth and eventually they'll most likely settle for 50% of what you owe. Once you lock that in, then you wanna ask them to agree to PTD, pay to delete. Okay, if they say yes, if they agree, ask them to mail you a pay to delete letter. That way you have proof from the collection agency that they promise to delete this collection account off your credits when you pay them off. Because this is the thing is that if you give them your hard earned money nine out of 10 times they won't remove that collection account off your report. And it doesn't matter what your balance is, okay? Whether it says it's paid off, a zero balance, a $10,000 balance, as long as it's still reporting, it's hurting. #paytodelete #collections #creditrepairtips #credittips #creditscoreincrease #funnyleonidas #creditallegiant #opp #credittips2023 #creditrepair2023 #creditscoretips #collectionsremoved