How do I get negative things off your credit?

Question

I have negative items on my credit: collections, inquiries, and delinquint account I have paid some off but my score doesnt go up and on some off them it went down how do I get these off my credit

Its funny idea to steal someone elses idea but i wouldnt do that it illegal and immoral

Answer 1

Some things will come off if they are older prior to the 7 years - and if you nicely bring it to their attention, and ask them to take it off. Many times, they handle so many disputes, they dont bother to verify - and if you keep asking, they may take it off. If the debt is resolved, there is no one to put it back on. So it may just come off forever.

They say the average "dispute resolution" is resolved in less than 5 minutes - so many times, they may actaully take it off if you make enough of a stink about it.

I just paid off I small, 3 1/2 year old cell phone bill that went to collections, with the understanding that it would be paid in full - and (to my complete surprise) they took off the entire entry without asking - so maybe if you ask you would get the same result.

There is nothing on your report that is solid. IT IS A PAIN to take anything off - but the pain may be worth it. You don't ask, you don't get.

Just pay all bills on time. Most creditors/bankers don't really care about anything before 2 years ago (unless it was a charge-off/repo/bankruptcy) anyway. Good luck.

All I can say is that it happened for me. Bills that were mine, that got charged off, I asked them to change the dates, because they were being artificially reaged, and they took it off all together. They may reappear, but since then it's been 6 months...so I can just say that something positive happened in my favor. Not advocating not paying your bills, but 7 years is a very long time - and since no one is claiming I owe it otherwise (it's a tax write off for them after they sell it so they don't care) no one has disputed it, knock on wood. It happens more often than you think.

Answer 2

You can only dispute something on your credit that is not correct! Not because you don't want it on there! I don't know why people keep giving that advice.

Anything on your credit (that is correct) will stay on your history for 7 years from the last transaction. If you paid them off, you must tell them to update & report it as paid--not dispute it! Because it is a legit bill that you owed. That will still stay on your credit for 7 yrs., but it shows as "paid" not "unpaid" which is all the magic you need! After that, just sit back, make your regular payments of at least the minimum and on time. This will not take you from a 520 to a 730 in 1-2 months. This will take a minimum of 1 year to get more history in between that time in the future, and the last time you were late/collections.

Answer 3

Contact the 3 agencies and get a copy of your credit report. Submit a dispute for any incorrect information. Once you see what is actually on there you need to contact the creditors and make payment arrangements to pay them.

Did you know you are allowed to put a personal comment on your credit report so others may see it? After you have made arrangements to pay the creditors you should put a comment that you are working with all your creditors to resolve all late payments. This will show that you are at least trying to make a change.

Don't apply for any credit until the negative things have fallen off. Unfortunately it will probably take 7 years for your credit to be cleaned up. Even when you pay a creditor it will still show that you were late paying.

Everyone has rough times in their lives. Time will heal all of it.

Answer 4

Anything a credit repair service can do, you can do yourself. All it takes is a little time, research, and persistence. However, a credit repair company cannot remove or change anything on your credit history. A credit repair service can only report inaccuracies, which you can do yourself.

In addition, credit does not build quickly. Most think they will build up a score within a month if they report a few inaccuracies and pay off old debts. You have to consider that a credit company has 30 days to respond to an inaccuracy you or the credit repair service reports. Even if the inaccuracy works in your favor and removed, it will take several weeks to a month to post on your credit report. Even paying off debt takes time.

Answer 5

Sometimes when you pay things off, they appear on your credit and actually hurt you, since you don't have any debt anymore.
(Debt in and of itself isn't bad, just non/slow payments of it).

The only way to really improve your credit rating is to keep payments of outstanding debts current. Over time (months to years), the ones you just paid off will become irrelevant.

Note that more inquiries can make the score go down, so keep them to a minimum.

Answer 6

you have to pay your bills. your credit is determined by the payments you make so if you have delinquent accounts and you pay them off your credit score will not go up immediately, you have to pay the delinquent amount and then continue to make regular payments. each late payment you make or skipped payment removes points from your credit. Even if you were to pay off the back due amount in full it's not going to make much of a difference on your score. After you get all your bills caught up you have to wait 6 months with no late or skipped payments for your credit to go back up a little. The best thing to do to return your credit to good standings is pay off all your bills and then get a credit builder loan. just make sure you don't miss payments!!!!

Answer 7

Contact the 3 credit bureaus (you get 1 free report from them each year), they will send paperwork to fill out to try and get the mistakes corrected. Also be sure you're not applying for any more credit cards, and get written confirmation of any credit card accts. you close. The more of these accounts on your record, the worse your score can get.

Answer 8

Contact the credotors that should not be on there any more and ask them to report the debt as paid. They are supposed to do that, but sometimes they are over looked. It takes about 30 days to clean up after reporting.

Answer 9

Steal someone elses identity and start fresh

Answer 10

PAY YOUR BILLS AND YOU WON'T HAVE A PROBLEM!!! DUH!!! IT'S ILLEGAL AND IMMORAL TO NOT PAY YOUR BILLS AND YOU DIDN'T SEEM WORRIED ABOUT THAT!