2006-12-25 06:15:33 · 10 answers · asked by plumbinmonkey 2 in Business & Finance ➔ Credit
There are only 2 ways to delete an accurate item from your credit report.
1) The creditor must delete it.
2) The creditor fails to respond to a dispute investigation by the credit reporting agency.
So what you can do is file a file a dispute on every negative item and force the creditor to properly VALIDATE the debt. That means they must supply you with evidence that you have a legal obligation to pay this debt. They just supply contracts, bills, receipts and everything that was used to calculate exactly what they claim you owe!
If the can not supply this, they MUST delete the item or risk a lawsuit for $1000 for posting unvalidated information to your credit history.
Read the links below CAREFULLY! You must follow the procedure exactly, keep records, and send all letters by certified mail in order to prove they were contacted.
They will most like not remove everything, but from experience it will take a lot of negative items off.
Then work on the rest....negotiate a lower balance and pay it off in exchange for them deleting the item.
2006-12-26 06:13:59 · answer #1 · answered by Anonymous · 0⤊ 1⤋
To be straightforward, I even do not understand for confident, yet my inclination is to decline. i don't think of that it basically disappears over the years, besides the indisputable fact that the longer you rebuild your credit the extra those 'undesirable credit report' rankings get left in the back of. regrettably, no count number how a lot of a saint you change into, you're under no circumstances going to completely get better like it under no circumstances befell. the coolest information is, you'll rebuild it to a respectable factor. It kind of tangible relies upon on 'how a lot' and 'how lengthy' you've been interior the pink, i assume. once back, not confident, yet i imagine the nearest you'll get to 'clearing' undesirable credit report historic previous is with the help of putting forward financial ruin, and prepared round for 7 years untill its over.
2016-12-01 04:09:26 · answer #2 · answered by santella 4 · 0⤊ 0⤋
pay off the debt,and if it's inaccurate info..dispute it with the 3 credit reporting agencies....
2006-12-25 06:37:49 · answer #3 · answered by Anonymous · 0⤊ 1⤋
A good credit repair company will do this for a fee.
2006-12-26 07:18:52 · answer #4 · answered by Anonymous · 0⤊ 2⤋
Only time can do that.
2006-12-25 06:23:35 · answer #5 · answered by Kacky 7 · 0⤊ 1⤋
pay it off, disput it, pay attorney to have it removed by similar processes.
2006-12-25 06:18:08 · answer #6 · answered by Anonymous · 0⤊ 1⤋
Pay your debts, dead beat.
2006-12-25 06:21:29 · answer #7 · answered by elgil 7 · 0⤊ 1⤋
or wait until time passes.
2006-12-25 06:20:45 · answer #8 · answered by jseah114 6 · 0⤊ 1⤋
pay your bills
2006-12-25 06:24:45 · answer #9 · answered by Anonymous · 0⤊ 1⤋
pay it
2006-12-25 06:18:05 · answer #10 · answered by Smitten_Kitten 4 · 0⤊ 1⤋