How to Clean Up Credit Report

Before approving your loan, your lender contacts the credit bureaus to get your credit report. Bad credit report will severely restrict your credit. In some cases, you may not even get the credit. So it is vital to get your credit report cleaned. To enable you to achieve that you have to alter your financial habits…………

Just pay it. It cost $ 50.00 a year for a credit card when you have poor credit. Sue your friend in court for the money and dammages plus interest.

Ask them to agree to remove it from your credit report if you pay it. They might agree.

Or, pay it anyway, then dispute it with the credit bureaus. Ultimately, you did NOT take that debt out. The fact that you’re willing to pay it doesn’t really make it yours. It just makes it go away.

Most of the time, collectors won’t respond to disputes to the credit bureaus on paid accounts. You might have to try a couple times, but eventually it should go.

And just because the collectors validated the debt does NOT mean it’s valid for reporting to the bureau. Just fight it til it’s gone. Or you will keep getting harassed by collectors. And even more fun is when the debt gets sold and you have ANOTHER collection on your report. How long will you let that go for $86??

It’s going to stay on your report; it’s better to have it show as paid. The collection agency cannot remove the item.