Correct me if Im wrong but when you pay for deletion you are paying for ayn record of the debt tto be 100% removed from the report that d potential creditor would swe (like when tou buy s car or credit card) .
BUT the debt is never actually deleted from the credit report that you and the CRA have access to.
So, there ate actually 2 forms o f credit rt: one that potential dreditor see and one wihdh oniy youu and the CRA see.
Is this correct??
I am asking because in previous answers to mt pay for delerion questions, alot of people are saying that debts are never 10 0% deleted from credit reports.
So that makes me wonder what the phrase pay for deletion means exactly?
Thanks.

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