How do you get rid of negative items on your credit report LEGALLY?

Answer 1

Are you referring to negative items that you acknowledge as being yours? Legally, you cannot dispute items that you know are accurate. However, if you are not 100% certain (not suggesting you do anything unethical) of the accounts legitimacy you can dispute the item. If the creditor does not acknowledge the account as accurate, the credit agencies has no choice but to remove the item. Depending on the type of creditor has a distinct bearing on how likely this will succeed. For example if it was for a bill to a local store, agency, power company, etc. , often if the bill has been paid in full they will not even respond to the credit reporting agency. However, if it is a credit card company, weather paid or not, usually will verify the account and it will usually stay on your credit report. There are some methods which may assist in your success, for example, if you are planning on paying off an account which is being reported negatively on your account, try negotiating with the company to have the item removed as a condition of payment. GOOD LUCK

Answer 2

You do NOT get rid of them, if they are accurate. A credit report is a history of the last seven or more years of your responsibility or lack thereof in handling credit and debt issues. Once you properly pay off a debt, that fact should be recorded in your report as well, but the item will remain there for about seven years.

Answer 3

Some of the credit bureau's allow you to dispute the items online, if the negative credit companies still dispute your dispute then you will need to provide proof that the credit is now yours, paid, cleared etc..... That is the easiest way to clear it.

Answer 4

You must contact the credit reporters and send them information showing that the negative statements have been cleared. Some of them will still remain for a while, but others may be removed.

Answer 5

.If you go to my free credit report or any site that list the three major credit reporting agencies, they will have everything from loans, credit cards, utilities that you have applied for in the last to years.

They have everything that you owe to the companies that you got credit from.

They have tax liens that you might owe.
They have records if you have been sued and have not paid.

Also it depends on how much you owe. If you owe $5,000 and up you might want to get a credit counselor

Answer 6

If the invoice is valid, pay it. no count if it extremely isn't any longer dispute it. Any credit bureau provide help to obtain the type and make it easier to comprehend the place to deliver it. I had a team account look an my record approximately 6 years in the past and have in no way had hardship getting credit. i offered a house 3 years in the past.

Answer 7

Only inaccuracies can be removed legally. This can be done by writing a letter for each inaccuracy to each credit bureau. This should be sent by certified mail. If the credit bureau does not prove the accuracy within 30 days, then you can request they remove the entire account.

Answer 8

You may not be able to remove negative items for 7 to 15 years (15 years unpaid tax liens).

However there are unique ways to dispute the items which you should do.

http://www.CrediTips.com/blog/index.php

Answer 9

dispute them to all three major credit buears

Answer 10

once written, it's forever on your credit report - unless it's not true and you can disprove it.