I received the following question from a Minter via Twitter @johnulzheimer. “John, I had a collection for a defaulted credit card bill from three years ago. I want to buy a house and the collection agency told me that if I paid the bill they’d delete it from my credit reports. Their offer sounded suspiciously good so I did some research online. I found some stories talking about “pay for delete” deals working and I found just as many suggesting that those offers are bogus and that the credit bureaus don’t honor them. Can you shed some light on this?”…