Comments on: How to remove bad credit from your report? http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report A blog with information on free credit reports Sun, 20 May 2012 16:10:33 +0000 http://wordpress.org/?v=2.7 hourly 1 By: bdancer222 http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-189 bdancer222 Fri, 28 Nov 2008 10:37:37 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-189 Has he asked for validation or just made a settlement offer? If he has asked for validation and the collection agency failed to respond, he should file a dispute with the credit bureau, attaching a copy of his validation request, indicating the creditor failed to respond. That should get the item removed. Paying off derogatory items won't get them removed. Nor will it improve his score. However, creditors do look at your whole credit report and paid old debt always looks better than unpaid. Derogatory items will age off his credit file, 7-12 years from date of first deficiency, whether he pays them off or not. Has he asked for validation or just made a settlement offer? If he has asked for validation and the collection agency failed to respond, he should file a dispute with the credit bureau, attaching a copy of his validation request, indicating the creditor failed to respond. That should get the item removed.

Paying off derogatory items won’t get them removed. Nor will it improve his score. However, creditors do look at your whole credit report and paid old debt always looks better than unpaid.

Derogatory items will age off his credit file, 7-12 years from date of first deficiency, whether he pays them off or not.

]]> By: src50 http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-188 src50 Wed, 26 Nov 2008 20:53:20 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-188 He doesn't. They will stay on his credit history for seven years. He doesn’t. They will stay on his credit history for seven years.

]]> By: daeve930 http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-187 daeve930 Mon, 24 Nov 2008 11:17:13 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-187 You can't just remove something negative from your credit report. You have to resolve it. The creditor isn't obligated to negotiate with you, so if they don't respond you have no recourse. To clean your credit, first off pay up. Get everything current, and don't fall behind again. Credit isn't an entitlement. You have to convince me as a creditor that want to lend you money. In general, I don't know you, and can only base my decision on your credit history. If you didn't pay someone else, why would I expect you to pay me. People always say "give me a chance". You've already had a chance and blew it. Think about when you were a kid and did something that made your mother crazy. How long did it take for her to trust you again? And she already LIKES you! You can’t just remove something negative from your credit report. You have to resolve it. The creditor isn’t obligated to negotiate with you, so if they don’t respond you have no recourse.

To clean your credit, first off pay up. Get everything current, and don’t fall behind again.

Credit isn’t an entitlement. You have to convince me as a creditor that want to lend you money. In general, I don’t know you, and can only base my decision on your credit history. If you didn’t pay someone else, why would I expect you to pay me.

People always say “give me a chance”. You’ve already had a chance and blew it. Think about when you were a kid and did something that made your mother crazy. How long did it take for her to trust you again? And she already LIKES you!

]]> By: ?infiniti? http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-186 ?infiniti? Fri, 21 Nov 2008 01:20:36 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-186 Dispute the debt with the credit bureaus. The credit bureau will contact the creditor to verify the debt. If the creditor does not respond within 30 days, the debt has to be removed. If, however, they verify the debt as correct, then it will remain. Dispute the debt with the credit bureaus. The credit bureau will contact the creditor to verify the debt. If the creditor does not respond within 30 days, the debt has to be removed. If, however, they verify the debt as correct, then it will remain.

]]> By: Bruce http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-185 Bruce Wed, 19 Nov 2008 17:19:58 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-185 When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years.

]]> By: KMcG http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-184 KMcG Mon, 17 Nov 2008 22:10:22 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-184 He may want to contact a consumer credit counseling agency. It should be easy to find one in the phone book or a quick search on the internet for a local organization. He may want to contact a consumer credit counseling agency. It should be easy to find one in the phone book or a quick search on the internet for a local organization.

]]> By: cindy http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-183 cindy Mon, 17 Nov 2008 08:43:16 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-183 Writing to the companies hoping to settle isn't going to remove them from his credit report after his settles he is still going to have bad credit and all those creditors will still be on his report. he is going to have to rebuild his credit over time. maybe the company doesn't want to settle. they may just turn it over to a collection agency. Writing to the companies hoping to settle isn’t going to remove them from his credit report after his settles he is still going to have bad credit and all those creditors will still be on his report. he is going to have to rebuild his credit over time. maybe the company doesn’t want to settle. they may just turn it over to a collection agency.

]]> By: wilderwriter http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-182 wilderwriter Sat, 15 Nov 2008 05:58:06 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-182 He could try contacting the credit "bureaus" informing them of his efforts to clear the accounts and their lack of response. Don't know if that will make any difference, but it seems to be the only way to proceed. He could try contacting the credit “bureaus” informing them of his efforts to clear the accounts and their lack of response. Don’t know if that will make any difference, but it seems to be the only way to proceed.

]]> By: Farmer Jed http://www.free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/comment-page-1#comment-181 Farmer Jed Wed, 12 Nov 2008 14:07:52 +0000 http://free--credit-report-blog.com/credit/how-to-remove-bad-credit-from-your-report/#comment-181 For starters - pay off the bill................... Then don't go into debt again. For starters - pay off the bill……………….

Then don’t go into debt again.

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