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You contact them and ask for a settlement amount in writing so they have to remove it once you can prove you paid that amount then send a payment you can trace like a check to prove payment.

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12y ago

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Do you have to pay a debt that is not on your credit report?

If it's a personal debt, such as something off the record, ya might want to.


If you pay off an old debt no longer on your credit report will it be placed back on the credit report?

Yes it can. You should agree to pay it only if there is an agreement to not report it to the credit reporting agencies.


How do you fix your authorized credit report?

Pay off your debts or wait til they fall off your report (it should say how long they will remain on there). Then get a credit card and pay it off in full each month. That will make your credit improve dramatically.


How long does a lien remain on a credit report?

untill you pay it off


If you pay off a 12 year old judgment will it reappear on your credit report?

No.


How do you clear your credit report?

The short answer is the only answer one. You have to pay your debts off.


How can you remove delinquent utility bills from your credit report?

You can only remove bills if you pay them or if the bills are listed incorrectly on your credit report. It is best to pay them off and then the bills will not be listed as delinquent.


If a credit card company says you owe them money but it is not on your credit report do you have to pay?

If it isn't on your credit report, the credit card company still has hopes of you paying it off. When they see that isn't going to happen, you can bet your butt that it WILL be on your credit report.


What can you do to help clean up debts on your credit report?

Besides paying your debts off or filing bankruptcy if you are unable to pay off these debts there is nothing you can really do to clear them from your credit report. Most debts stay on your credit report for seven years.


Is it beneficial to pay that debt off or is it just a redundant action once a debt has gone to collections and damaged your credit report?

It is best to pay off the debt. You can also ask if they will remove their listing completely from your credit report, if you agree to pay. If they agree to this, tell them to send the agreement to you in writing and you will immediately pay off the debt.


When you pay off credit card balances how quickly do they report it to the credit bureau?

It will take anywhere from 30 - 90 Days.


If you pay off a credit card balance is it bad your my credit report?

not always, depends on your credit situation. keep using and paying off your credit card every month to improve your credit score