is there a way to remove a repo off your credit if its paid for?

Question

i'm attempting to get into the credit repair business, and i want to be prepared for everything

Answer 1

The debt must somehow be settled so the account will show as closed. Full amount or less than full amount, no difference really, both will show as closed status. Clock starts ticking then. Really affects credit and score for about three years after that closed date. Should the account never get settled and closed, it will still drop off all together after the typical seven years, and credit score will slowly recover.
There is no way to actually REMOVE a bad debt, even if paid in full, when it is a legitimate debt. An erroneous report may always be corrected by going to the THREE bureaus seperately and making sure they ALL get updated and remove the account - get it in writing.

Answer 2

If it is reporting incorrectly in any way, you have the right to dispute it. If it is not corrected within the time allowed it legally must be deleted.

You might do some reading in the FCRA and the FCRA Staff Opinion letters, I have a links for them, other FTC sites and a free credit discussion board, listed in my profile.

Answer 3

not remove, but if it is paid or settled in full, it won't stop someone from getting what they want.