You have a truck you haven't made payments on for over a year if you pay in full now will they remove the negative mark from your credit?

Credit bureaus and the original creditors have the power to remove late payments. You can contact the original creditor that posted the late payment and ask for them to remove it. They will probably only do this if you have had a good payment history with them. You can also send dispute letters to each of the credit bureaus asking for verification on your negative listings. You can do this yourself or hire credit repair company to do it for you.

Your creditor and the credit bureau are the only ones that can remove late payments. Try contacting your creditor and see if they will do it under goodwill, they sometimes will. You can also dispute it to the credit bureaus and see if they will remove it that way.

No, a BK does NOT remove negative items in credit reports.

Depends upon whether the credit company submitted a negative mark to the credit reporting bureaus. If they did, it will bring down your score. Contact your lender to find out. They may be willing to remove the flag if you were great with payments before and after.

Yes, you can increase your credit score by removing late payments from your credit report. You can either contact the creditor that placed the late payments and ask on good faith to have them removed. Some creditors will remove them if it is a one time occurrence, but most won't. You can also dispute the late payments to the credit bureaus. Depending on how old the are and how severe, they can come off your credit report. This will most likely remove the whole account thought, but 1 late payments is worse than all the good credit you can get from a good payment history.

Answer Late payments can only be removed by the creditor who placed them on there or the credit bureau reporting them. You can contact the creditor and based on goodwill or negotiated a payment, they will sometimes remove the late payments. You can ask for verification from the credit bureaus on them and if they aren't verified with in 30 days, they must be removed from your credit report.

The bank and the credit bureaus are the only ones that could remove the late payments. If the bank waived the late payments, they will probably remove them from your credit as well. You will need to contact them to negotiate that. Otherwise you will have to dispute them to the credit bureaus. They will have 30 days to verify them or they must be removed.

Answer you dont. after seven years, since last activity, the cr. companies will automatically remove the creditor and associated account number. keep in mind that after 6 to 9 mos of no activity on the credit account that creditor will not be part of your credit score but the late payments will still be seen by credit granters. You can remove late payments from your credit report by disputing them to the credit bureaus. Under the Fair Credit Reporting Act, every consumer can dispute any item on their credit report that they believe to erroneous or inaccurate. You may also try and contact your creditors, they have the ability to remove your late payments, but usually won't unless you have a good payment history or will pay off the debt.

They can, but they don't have to. They usually will if you have had a good payment history with them in the past. If you have been late a lot, you can try to negotiate to pay off the debt to remove the late payments. You can also try and dispute the late payments to the credit bureaus. If they don't verify it with in 30 to 45 days, the late payments must be removed.

Have they been paid off,and how old are they?

The easiest way to have debt removed from your credit file is to pay the debt which also show that you can make & keep to payments. You can also negotiate with the company the debt is with to remove this debt.

If you've been timely with payments since, try contacting the company that originally flagged the default payments to see if they will work with you to remove them. If they were valid default payments then they may so no outright. Otherwise, they will fall off your credit report eventually (7 years, I think).

You can't actually remove negative credit reports, but you can and should add your explanations or comments to your credit files at the various reporting agencies this is your right, and is the next best thing available to removing the negatives.

once i use credit card in my face book farmville , i son is always purchasing by farmville , how can i remove card details You have to go into your account settings on your actual Facebook account. I think it's under payments or security. But you can remove it there.

Answer Anything a credit repair agency can do can be done yourself for free. All you need is a little knowledge that is readily available. Keep in mind that self-help to fixing your credit is your best option. What secret credit repair agencies and attorney knows that most do not? Just because the negative information on your credit report is accurate does not mean it will remain. It is what the Credit Bureaus or Creditors can PROVE to be accurate that will stay under the Fair Credit Reporting Act. You see, the burden of proof falls on your creditors and the credit bureaus, not you and it's the LAW!!! Credit repair companies can remove late payments from your credit history. But I wouldn't pay someone 600 + to do it. You can do it yourself or hire someone for a lot less than that. Credit repair companies mainly just send dispute letters to the credit bureaus requesting verification of negative listings. Some companies will post their results for anyone to see.

The bankruptcy will remain on the credit report until the required ten years has expired. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Bankruptcy from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "bankruptcy" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The Federal Court that the bankruptcy was filed in may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.

You can dispute inaccurate information on your credit report. You can start the dispute process by contacting all of the credit bureaus that are reporting the negative information.

A person can remove an eviction from their credit record by working out an agreement with their landlord. Ask the former landlord in writing a settlement offer or payment plan. Be sure the former landlord will report your payments to the credit bureaus as well as have the eviction removed.

The cosigner's credit isn't affected one ioto unless the person who was responsible for the loan payments defaulted, then and if the cosigner also defaulted. In other words, just being a cosigner does not affect ones credit ratings.

Foreclosures can be removed from your credit report like any other negative item. You must dispute it to the credit bureaus. The credit bureaus will have 30 days to verify the foreclosure or it must be removed from your credit report. With the higher amount of foreclosures lately you have a better chance of it being removed. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Foreclosure from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "foreclosure account" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The bank that held your mortgage may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.

Valid derogatory debt entries will remain on a CR for 7 years from the DLA.

The best thing to fix your credit is to continue to pay your bills on time. In addition, keeping your balances low on current accounts. Diversify your credit, so to have a variety of credit accounts. Work with your creditors and the credit bureaus to remove any negative listings that are hurting your credit score.

Pay your bills on time. If you have missed payments, get current and stay current. Be aware that paying off a collection account will not remove it from your credit report. If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.

Yes. Negative information will remain on a credit report for the required amount of time, usually 7 years.

All you need to do is send a letter of dispute and what item and why, to the credit agency. You can do this online as well with your free once a year credit report from Experian, Equifax and Transunion. annualcreditreport.com