Instead of fixing or repairing credit, I want to remove it. I have paid other companies lots of money but the bad credit remains.
7 Comment(s)
You can’t remove it unless you can prove that it is erroneous. That’s what a credit history is all about. Don’t fall for scams from “credit repair” companies.
You cannot remove bad credit from your credit report. You can only request something be removed if it’s there incorrectly, and your bad credit is there because you earned it. It will fall off 7-10 years from the time the debt was paid. As more time goes by, the less it will affect your credit score.
Per the Fair Credit Reporting Act (Federal law) derogatory accounts show on your credit report for 7-years from the date of first delinquency which works out to 7-years and 180-days weather you pay them or not.
Now if it’s a public record like a bankruptcy, judgment or tax lien it can show anywhere from 7-15 years.
?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com
Well, you can’t just phase out or erase bad credit. That serves as part of your credit history. If you still have debts then you should settle them as soon as possible. I have had bad credit history before but I tried debt settlement.
Removing bad credit can only be done by the original creditor that reported it or by the credit bureau that is reporting it on your credit report. The Fair Credit Reporting Act allows consumers the right to dispute anything on their credit report they believe to be erroneous or inaccurate.
So you can ask for verification on these accounts and if they aren’t verified with in 30 days they will be removed from your credit report. You can also contact the original creditor and they can remove the listing on goodwill or you can try to negotiate payment for removal.
You can’t remove it unless you can prove that it is erroneous. That’s what a credit history is all about. Don’t fall for scams from “credit repair” companies.
jlf | Dec 28, 2009 | Reply
You cannot remove bad credit from your credit report. You can only request something be removed if it’s there incorrectly, and your bad credit is there because you earned it. It will fall off 7-10 years from the time the debt was paid. As more time goes by, the less it will affect your credit score.
spalmer | Dec 30, 2009 | Reply
Per the Fair Credit Reporting Act (Federal law) derogatory accounts show on your credit report for 7-years from the date of first delinquency which works out to 7-years and 180-days weather you pay them or not.
Now if it’s a public record like a bankruptcy, judgment or tax lien it can show anywhere from 7-15 years.
This is why it’s called credit history.
SPIFIMAN1 | Jan 1, 2010 | Reply
You wait many years, until it is removed automatically. Attempting to remove it sooner will either do nothing or make it last longer.
StephenWeinstein | Jan 3, 2010 | Reply
?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com
Tom | Jan 4, 2010 | Reply
Well, you can’t just phase out or erase bad credit. That serves as part of your credit history. If you still have debts then you should settle them as soon as possible. I have had bad credit history before but I tried debt settlement.
Ashley | Jan 6, 2010 | Reply
Removing bad credit can only be done by the original creditor that reported it or by the credit bureau that is reporting it on your credit report. The Fair Credit Reporting Act allows consumers the right to dispute anything on their credit report they believe to be erroneous or inaccurate.
So you can ask for verification on these accounts and if they aren’t verified with in 30 days they will be removed from your credit report. You can also contact the original creditor and they can remove the listing on goodwill or you can try to negotiate payment for removal.
Matt | Jan 7, 2010 | Reply