Improving my credit...Help!?

Question

Hello everyone,
I am looking to start the process of improving my credit report. I don't think I want to do anything like Lexington Law because most of my stuff is really mine so I don't see them "getting rid" of it. I was just wondering where do I get information on who I write or contact to have some older stuff removed and a few things that are on there twice removed? AND I had heard that if it was reported over three years ago its better to let it fall off than to start paying on it becuase the report date will then show the date of when a payment was made to a collection agency and it may have been better to let it just come off the report in a year or so. Any input will be apprecitated
Thanks

Answer 1

It's called a credit history for a reason, you must create a positive credit history by paying your bills on time and completing your obligations to your creditors. Your credit history will go back at lease 10 years no matter what you do.