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If a company refuses to accept your pay for deletion letter, remember that companies are not required to agree to delete debts from your credit report. Companies have the right to keep the debt on your report for up to seven years, whether paid or unpaid. Some companies may delete the account as a courtesy, but it's not a legal requirement. If the company you're working with does not have a deletion policy, they may not honor goodwill letters. Knowing this information can help manage expectations when disputing or negotiating with creditors.
