I have BAD credit history from when I was young and going through a lot. Now my payment habits are pretty good, my credit score even went up to 640, but I can NEVER get approved for ANYTHING because of the stuff still on my record and that will BE on my record for at least 5 more years. Is there a ligit way to get some or all of that deleted?? It's all been paid off, it's just still there like an eye-sore...???
2007-08-01 05:53:09 · 7 answers · asked by Anonymous in Business & Finance ➔ Credit
Time heals all wounds (and bad things on your credit report). If they are legitimate things on your credit report (late bills etc) they will come off in time... The older they are, the less they count against you. If there are mistakes on your credit report, you can write to have them removed... but they'll only come off if they are misreported.
2007-08-01 06:01:49 · answer #1 · answered by Michael K 5 · 0⤊ 0⤋
It is on your credit report so unfortunately you cannot get it deleted or taken off unless there was a discrepancy and it is on there incorrectly. I used to be like this until I leased a car and have been paying every month on my loan which makes your credit look GREAT. Paying off a car loan is the best thing for your credit. There are people out there who have perfect credit but are still having trouble, let's say, buying a home because their credit is not as good as the mortgage companies or the banks want it to be....but if they had a car loan paid off, it would make their credit much more valuable because it shows that they were able to pay on the loan without any problems.
2007-08-01 06:01:11 · answer #2 · answered by Flip-Flop Crazy Girl 4 · 0⤊ 0⤋
A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required.
There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report.
2007-08-01 07:28:12 · answer #3 · answered by twv23512652 2 · 0⤊ 0⤋
Nope. You earned that credit history and it will stay there for 7 years.
The good news is that the older it becomes, the less impact it will have on your score, provided you pay all of your current debts on time.
2007-08-01 06:00:03 · answer #4 · answered by bdancer222 7 · 0⤊ 0⤋
yes there is ! i work for a professional credit repair agency ncalled the credit doctor 911 and we do national consultations so if you are serious about your credit and have developed better paying habits we can help remove all the unwanted stuff !! our number is 956-383-HELP have a good day!! and remember if you want to know about medecine you ask a doctor and if you want to know about credit u ask the credit doctor!!
2007-08-01 06:21:38 · answer #5 · answered by raul g 1 · 0⤊ 0⤋
Only thing that you can have removed are in accurate item or older than 7 years.
2007-08-01 06:04:31 · answer #6 · answered by Eddie B 2 · 0⤊ 0⤋
The only fast way to get rid of debt is hacking. But you wanted a legimet way to get rid of it so I can't help you much.
2007-08-01 06:04:31 · answer #7 · answered by darrkadlubowski 3 · 0⤊ 0⤋