how can u delete negative items on your credit report?

Answer 1

You need to find if they are reporting any inaccuracies. If so, then you can dispute those. They "should" either correct or delete.

I wouldn't recommend using the free FACT-Act credit reports to do your disputes with. That would give them an extra 15 days to investigate, which could mean it remains.

Use the reports that you purchase from each credit bureau. I would also recommend not disputing online, send it to them by mail.

As one poster mentioned, you might get deletion from 2 bureaus but it sticks on the 3rd. Do Not send your credit reports to the other bureau, like it was recommended.

Be sure to opt out before you start doing disputes.

You might go to the site I've linked. Do some reading in the newbie forum then in the credit forum. Learn your rights and how to use them.

It is a "free" do it yourself credit repair site.

Answer 2

You don't. They simply age to the point that they are no longer viable information and drop off the record. For example, if you have filed a bankruptcy or had a judgment placed against you, those are court records and remain on your credit record for ten years. Other items may appear for six to seven years. The point of a credit record is so that a potential credit lender can see how you have handled your finances in the past. If you have negative items because you haven't been current on payments or have had court incidents, that is exactly what these people want to know about you. Paying on time and in the amount your creditors want is the way to keep your record clean.

Answer 3

You can investigate which items are negative and see if you can clear them up: It's possible some are mistakes. For example, there might be an old tax lien on your property that the county forgot to erase. The best thing you can do to get a good credit rating is not open new credit cards: Pay off old ones, or if you don't have a credit card, get one and pay it off on time every month. Paying bills late is the way everyone gets in trouble. Be sure to pay all your bills on time and build a good rating.

Answer 4

GET caught up and STAY caught up....

My uncle who is very financially suavy said that when a credit score is figured, there are 5 things that are considered...

1) % of available debt used- If they figure you can afford $1000 in debt, and you have $500, that % =50% available... If you can afford $10k and you have $1k, that's 90% available.. the second set of numbers will give you a better score. You can improve in this area by either getting a raise, or paying off debt.

2) Having >4 lines of credit- If you have at least 4 credit lines (for example- a car loan, a checking account, savings account, and a mortgage) that would be best. I would recomend AGAINST credit cards, though- they are too easy to use and too hard to get caught back up.

3) The number of accounts that are 30+ days late. Here's where the "get current and stay current" comes in! As you get/stay current on your debt payments and bills, those "30+ days late" will begin to drop off your record, like accidents on your driving record, and slowly improve your score.

4) Foreclosures or reposessions or judgements- These are when a creditor gets tired of waiting for you to get current on your payments and closes the account- takes back whatever you were buying on credit or takes you to court for the amount owed... ANY of these is bad- get hold of them and see if payment arrangements can be made.

5) Un-resolved accounts- I'm not sure what this means, I think it means accounts that don't have a payment plan/schedule attached... like collections agencies, etc.

So, it takes a lot of self-discipline to clean up an ugly credit report, but it feels good to get those monkeys off your back, and it feels even better to know that the money you bring home is yours, not the creditors'....

Best of luck!

Answer 5

You have to write each credit agency and tell them of the discrepancy, they in turn contact the reporting creditor, who has 30 days to prove that you are indeed worthily of the negative mark. If they prove it then tuff t!tties for you.. but if they do not prove it, or if you submit your own proof and they don't discount it then you win and get your negative mark removed from your credit.

Remember though, you may get one agency to do it when the others won't. If this is the case you need to show them the other agencies findings. Its a time consuming project, but it does work.

Answer 6

pay your bills on time. There is no such thing as a quick fix or a magic wand to make it go away. Just don't get in trouble anymore and 7 years later it will go away. If they aren't yours and they are real error then write a letter to them and explain it. You can find some sample letter on google if you want.

Answer 7

For Finance and credit solutions I always visit this website where you can find all the solutions. http://SMARTFINANCESOLUTIONS.NET/index.html?src=HPD5QAZ4oFP

RE :How can u delete negative items on your credit report?
Follow 13 answers

Answer 8

You have to dispute them on the website. They give the creditors so long to reply, if not they are taken off. If they do reply, you can usually work something out. If they are completely false, the company will not be able to prove it and will most likely be taken off.

Answer 9

you can't. they should go away after seven years, at least in my state. If something is in error, all you can do is write a letter explaining why it is there. It works. I had to do it once a while back when the hospital made a mistake in their billing.

Answer 10

Unless they're incorrect, you can't delete them. (Any agency that says they can is lying.)

Some eventually go off your report after three to seven years.