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john ulzheimer is known as one of our nations most recognized credit experts having worked for 28 years in the credit industry john has become one of the most prolific speakers about credit and the go-to authority on answers to credit-related questions credit countdown with john alzheimer hello my name is john ulzheimer i am a consumer credit expert i have almost 30 years of experience in the credit industry spent time with equifax which is one of the credit reporting agencies and also with fico which is the company that invented the fico credit scoring system so todays topic were going to discuss pay for delete and then were also going to identify whether or not pay for delete is actually a real thing or if its just some sort of a fabricated idea thats floating around out there in the world of credit repair so lets talk about first off what is pay for delete so pay for delete is a phrase thats commonly used to describe a process whereby if you have a collection account appeari