the correct way to remove negative items from?

Question

my credit report

Answer 1

Negative items. You mean bad debt? If thats the case...dont go disputing things that are valid cause you can piss off a collector to just sue you. Instead call them and make deals. Either payment arrangments or a settlement to pay a less amount. Be sure you dont pay them anything till you get the deal in writing and request they give you a deletion. Some collectors will tell you to pay in full for one.

Before you do that...find out what the statutes are in your state. If its past statute for reporting. File a dispute with the credit reporting bureaus and have them dropped off.

If its late payments, etc. No can do.

If you see something that is incorrect or does not belong to you. File a police report for fraud and forward a copy to the collector or creditor.

Any questions. Email me.

Good Luck

Answer 2

I had a credit card from years ago that had been charging me late payments plus interest, even though I had closed the account 7 years ago. I found out about it by ordering my credt report )I alos found an old collection I din't know about!) Equifax and Experian had online dispute forms that I used. Not only did they correct the error, they completely removed the entire negative hisory of that card, and sent the company a reprimand.

BUT, if the negative items you're referring to are such things as late payments, overlimits, closed by creditor, etc. that aren't errors.... they really can't be removed. The general accepted time is 7 years (but is usually) before a negative is removed. My dad's report that I ran for him shows stuff from the 70s!

Start with http://www.freecreditreport.com/ from Experian (FREE!) The site will walk you right through it. It will give you an idea of where you stand and a good idea of what's on your report, but it doesn't show your "score" until you pay. It's totally confidential, and they'll ask a few questions that only you dhould know the answer to. There is a link at the bottom where you can buy the whole shebang from all 3 major agencies, and it's a small price to pay to get accurate info on what other people are looking at regarding your credit. There are also suggestions and tips on how to get your credit up.

Answer 3

If you are talking about inaccuracies, I would write a letter to the company and to the credit reporting agency. For example, if Sears has written that you were late, and that's not accurate, then write to Sears and to the agency telling your side of the story.

If the negative items are accurate, then just be very careful about paying your bills and being on time in the future, and in a year or two your record will be much better.

Answer 4

The previous due money won't come off your document for 7 years after the final fee. Your financial ruin continues to be on your document for 10 years.See in case you will get a card whether it has a each year cost use it sparingly (below 30% of the shrink) and pay it off each and each month, Or see in case you will get a small own loan, positioned it in a reductions account (do no longer use it) make money above the quantity stated and pay off early. Pay all your charges on time do no longer permit something pass 30 days previous due, thats once you get hit with a destructive. construction your credit returned up takes time and diligence there are no longer any rapid restoration solutions.

Answer 5

First order your credit report. Next, dispute anything on your credit report that you feel is not yours or wrong. The credit will contact that company that you want to dispute. If the company can not verify the information then it will be taken off your credit report. If they verify that it is true it will stay on your report until you pay it.

Answer 6

Check out the site below. It goes through the procedure of filing disputes with the credit burear and demanding validation from creditors.

Answer 7

I wouldn't be to worried about it, removing negative items seems easy, I did a search and found this site that explains in detail about this same issue, check it out http://www.mintcreditrepair.com , excellent articles also.

Answer 8

make 3 copies of the errors, that you have, payments, refunds etc. and a letter of explanation. Send the copies to each credit bureau, asking them to update their files.
Experian
Equafax
Trans Union