<prompt> Human: Pay for deletes are listed in the FAQ as a viable option for clearing a collection from your credit report. However, in my research, and in reading through threads here, it seems clear that pay-for-deletes are against the rules of the credit reporting agencies. So my questions are:1 Has anyone successfully gotten a pay for delete within the past year? What kind of bill was it for?2 If you agree to pay in exchange for a deletion, and the collector doesnt follow through, arent you sht outta luck? 3 Similarly, what is the point in getting such an agreement in writing? Isnt it unenforceable? this may depend on whether pay-for-deletes are actually illegal, or just against the big 3 CRAs rules...does anyone know?Assistant: Companies do not have a duty to report; only to report accurately if they do report. Human: But pay-for-delete means theyve already reported it, and now must go back and tell the CRA to delete the record. As I understand it, that requires lying and saying the record was an error, even if it wasnt.  <response>: Things that are against the policies of private corporations are not illegal per se.I used pay-for-delete to clear my credit history. Collection companies want money. If you are willing to give them money they will skirt the CRA rules. 