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How do you get creditors to remove debts from adverse accounts on your credit report once they have been paid off?
Look on the back of the credit report. There will be a list called decode information, may be a different name depending on the report. Find the name of the creditor on the list, it may be hard to read but do your best to figure out acronyms and abreviations and sometimes numbers that will match where the information is listed within the report. There will almost always be an address; use this address and write to them requesting what you need to be done. Sometimes there will be a phone number to call and place your request or just inquire.
What else can I help you with?
Can creditors remove their accounts from your credit report?
no, it should stay on your credit report for life.
How can you remove negative accounts from your credit report?
Have they been paid off,and how old are they?
How do you remove adverse accounts from your credit report?
The first thing to do is to report any dispute you have on your report. The Bureau will evaluate and when proven the correction should be made, then they will correct it. However, the removal is not instant. It will take sometime before it gets totally eradicated.
Is it possible for a collection agency to remove the Sent to Collection Agency on your credit report?
Yes. There is no federal or state law which compels or requires credit reporting. It is totally voluntary. There are costs for creditors to place data on credit report and to update that data. While it is possible, and all consumers should certainly attempt to have collection accounts removed, you also need to be aware that it is unlikely.
How do you remove late payments from a credit report?
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.
Can creditors remove their accounts from your credit report?
no, it should stay on your credit report for life.
Can a creditor remove collection accounts from my credit report?
Yes, a creditor can remove collection accounts from your credit report if they agree to do so or if there is an error in the reporting.
What can help fix your credit?
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.
How can you remove negative accounts from your credit report?
Have they been paid off,and how old are they?
How do you remove adverse accounts from your credit report?
The first thing to do is to report any dispute you have on your report. The Bureau will evaluate and when proven the correction should be made, then they will correct it. However, the removal is not instant. It will take sometime before it gets totally eradicated.
Is it possible for a collection agency to remove the Sent to Collection Agency on your credit report?
Yes. There is no federal or state law which compels or requires credit reporting. It is totally voluntary. There are costs for creditors to place data on credit report and to update that data. While it is possible, and all consumers should certainly attempt to have collection accounts removed, you also need to be aware that it is unlikely.
How do you remove late payments from a credit report?
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.
Is there a way to get a repossession out your credit?
Information only comes off the credit report when the original creditor who reported the information requests the credit bureau to remove it, or if the credit bureau removes it after they have made the attempt to contact the creditor to request them to remove it and the creditor fails to respond. If the creditor cannot be located which is another way they may fail to respond, the credit bureau may remove it after a period of time. In all cases, you the consumer must initiate the process to contest the information in writing. Because the credit bureau customers are the creditors and not you, the credit bureau will only make changes when their customers (the creditors) ask them to. The creditors all pay annual fees to the credit bureaus to be a member and have the ability to put payment history information into your credit file. That's why the consumer must contest the information, then force the credit bureaus to validate and confirm the information with their customer first, then take the appropriate action once they get a response or fail to get a response.
Will collection agencies remove old bills from your credit if you pay them in full or just show them as paid?
Collection agencies don't manipulate your credit or remove accounts from your credit. The credit bureaus themselves are repsonsible for maintaining accurate reports, but because the credit is yours, you should check you reports at least once a year to ensure their accuracy.
What if your credit report has your name misspelled?
Contact the three credit reporting agencies directly. First get a free copy of your report at annunalcreditreport.com if you have not already. Alternate names can be found under other, alias or aka. Also listed with creditors on your file. If it is under other names variations and you don't have any open account with the misspelling you can have them removed by disputing online, postal mail or by phone providing your personal information. If it however is the primary name on your credit file I have found that not all credit agencies will correct or remove. If accounts are still open with the wrong spelling of your name you should contact the creditors directly and ask them to correct. If the name is not yours and not your account dispute. Good luck.
Will credit card accounts in good standing be affected by a foreclosure?
That is a yes and no answer. No, the accounts won't be affected immediately. Yes, later they will. Ok, you won't lose the cards because of the foreclosure but as the credit card companies do run periodic checks on your credit you may find that they may lower or remove the credit line until such time as they feel safe to let you charge again.
How do you clear you credit report from open and end accounts over the statute of limitations?
First you have to pay off your loans in cash if you want to quickly remove your credit report first. Besides this you may contact a good credit repair company.
