dayana a asked:


I need advice on how to remove negative marks off of my report. Right now all of the negative marks that appear on my report are at least 5-almost 7 years old and all but one has been paid after they were sent to collections. I currently am in good standing with the current credit that I do have (1 leased car and 5 credit cards). The negative marks on my report are all from when I was younger and did not understand the effects of not paying debt. I constatently monitor my report, and for some reason, I can not boast my score up from a 592. A few months ago I was actually at a 650 or so but I had a judgement posted from a medical bill I did not pay from when I was 19. I may need to speak with a professional as eventually I would like to buy a home and do not want to have an outrageous interest rate because of my past.
Please help

Brenda

Nick P asked:


A company put on my credit report that I didn’t pay a bill; however, I did pay it. I called the company and they told me they would have it removed off my credit report within thrity days. Well, thirty days goes by and it still wasn’t removed. I called transunion and disputed the information, and gave them the name of the person who told me that they would remove it off my report. About a month later I got an updated credit report, but instead of it being deleted they only updated it as paid. I called the company back up and spoke to the same manager I did before. She told me that she would write them a letter to have it removed. Thrity days later it is still on there. I dispute it again and all I get is a letter saying that it has been verified, and it is not only on transunion, but equifax as well.

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