Is there any way to get negative things off of your credit report?

actually there is a possibility to get factual negative things off your report
file a dispute for one big corporation item
if the Company in question doesn’t verify it within 30 days. it has to be removed from your report

I owe these apartments money and they sold there name and everything the new apartments said they have no record of me. Thats cool but its not cool that its still on my credit report she said there should have been a 800 number or something but no numbers nothing. who do I call what do I do I need this off my credit report.

I feel you, but you might be in luck, since they have no record of you, yet there is an entry on your credit report. You can dispute this entry with the credit reporting agency Equifax, Transunion etc. and tell them that this account is wrong or in error, that it doesn’t exist, it’s not yours. They will have to investigate this for 30-45 days, if they investigate and find it to be true, it will stay on there, but if it’s proven wrong, they will delete this item off, of your credit report, and send you a new one.

I want to clean my Credit Report legally, but I don’t wanna do it myself. Is there a good reputable company that will do this for me? I am willing to pay the bills and the company that provides these services. I just want it to be done correctly.

Go with the below company

There is a relationship between credit rating and credit repair. If your credit rating is 600 or below, credit repair is needed so you will always be in good standing.

But what is a credit rating? This is an indicator that tells creditors if you are credit worthy. A simple way of doing this is to encode certain things about you in the computer and within seconds, they will see the results appear on their screen.

Credit rating ranges from 350 to 850 and as mentioned earlier, a score of 600 or below is bad because if you apply for a loan, you will be paying higher interest rates compared to someone who has a good rating of 700 or above and this is usually based on 5 factors.

First, the number of inquiries you have made in the past 2 years. Did you apply for a loan or a credit card? If you did and this was approved, then as long as you pay it on time, you will have a good credit rating.

Second, what types of credit you actually have? If you have funds, then that is good. If you don’t, well don’t expect to have a high credit rating.

Third, what is the length of your credit? People who have a line of credit for 5 years or more have a better credit rating compared to someone who just graduated from college.

Fourth, how much is your debt? It is okay to have debt once in a while as long as you are able to pay for it. If you don’t owe money to anyone, then good because this will be reflected on your high credit rating.

Lastly, what is your payment history? This is somehow connected with your length of credit because this will show if you have been able to make payments on time. If you missed a payment that could be bad but if you have not, then you should have a good credit rating.

All these five factors are equally important. So you can see if you have any problems, get a credit report from one of the three crediting agencies namely Equifax, Experian, and Trans Union.

You can get a copy from each one at the same time or do it at different times of the year. This report changes so you should obtain a copy annually.

One thing you might notice looking at the different reports is that they may not always reflect the same thing. When this happens, don’t be alarmed because each one uses a different set of protocols in coming up with those figures.

However, should something there be outdated or mistaken, this must be corrected. If you have the supporting documents, write a letter and send this to the credit agency.

If what the report says its true and you are in a lot of trouble, then steps have to be taken to initiate credit repair. You can do this by yourself or with the help of a counselor.

Regardless of who is involved, only one thing is certain and that paying off whatever outstanding debt you have is the only way to improve your score.

Don’t expect that your loan application will be approved if you credit rating is not very good. Do something about it because credit repair is your only option.

Technorati Tags: credit rating, credit repair

I was wondering if you have multiple late payments and collections, if a person hires a good attorney or someone who specializes in cleaning credit reports, can they clean up a terrible looking report to take the collections off and the multiple late payments?

Per the Fair Credit Reporting Act (Federal law) no one can remove derogatory credit unless the information is incorrect.

The only thing you can do is if any of the information is incorrect be it a date, amount of money owed etc. you can dispute those items and hope for the best, sometimes it works and other times they simply correct the information.

If it’s something like a medical collection, cell phone bill, utilities or some other non credit card related account you can also ask for a pay for delete agreement from the collection company this simply says that in return for your payment they agree to remove the account from your report, if they agree get this in writing before you give them a dime.

I see some scam answers have showed up so I will quote from the 2009 edition of the Consumer Action Handbook.
"If the information is accurate, only time, hard work, and a personal debt repayment plan will improve your credit report. Credit repair companies advertis they can erase bad credit for a hefty fee. Don’t believe it".

Good luck.

clean credit report service at 1001 n.e. 125th st, north miami fl,33161

That company got closed down dude. They’re a bunch of scammers and all they do is lie to people and take their money. Check out the link below if you need more information about it.

http://www.ftc.gov/os/caselist/0823220/index.shtm

Ok, I had a credit card once and i missed a few payments. HOWEVER, i paid it off. It still shows up on my credit report..how can i clean this up?

now when i apply for a card anywhere i get turned down. How do i fix this?

Well first of all, there are many false answers so far.
Late payments are reported for 7 years on your credit report as per Running of Reporting Period – Section 605 [15 U.S.C. § 1681c]. If they were late more then 90 days or more, they will hurt your credit rating even more then just a few 30 day late payments.

As to getting anything removed by simply disputing it, that is a myth, only un validated information can be removed from ones credit report.

As to why your are being turned down, the creditor is required by law to send you written documentation of why the declined your application and who they used to determine your credit rating. This also falls under the Fair Credit Reporting Act. This would indicate what your problem is then you should try to resolve the issue that is causing the rejection. It could just be due to the current credit crisis.
You can download a free book at the link I have provided in the source section regarding the FCRA and your rights.

Here is a link to the FTC on how to properly file a dispute with the credit reporting agencies and how to get your credit reports for free.

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre21.shtm

You can also use this link to find ways to improve your score by yourself and save money

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm

Hope this helps answer your question.

I have a lot of miss information and old account on my credit report form the 3 credit agency. i don’t have the time or effort to go after them, i heard there is people that do that for living, anyone know who ?

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.imess.net

Is it legal to freeze my credit report, or can I change my SS number in order to start a new credit report file? I would really like to know what my options are.
Thanks for your help!

Dispute letters will only work some of the times. You need to understand how the game is played.

Credit Reporting Agencies (CRA’s) only report what creditors tell them to report. And they can not remove any item unless the creditor tells them to delete it, or they fail to respond back to the CRA during an investigation.

Therefore, your first letter should be to the CRA to dispute an entry. The CRA will contact the creditor and "verify" the debt. All that means is they ask if the debt is legitimate. If the creditor says yet, the report stays, but you are allowed to place a notice that you dispute the report (big deal!). Note that the CRA does not do any "real" investigation.

If the debt is old, or the creditor has moved or gone out of business, or they lost your records, then the debt will not be validated and it will be removed from your records. This is now most of them can be removed.

Your next step is to send a demand letter to the creditor to "VALIDATE" the debt. Note that this is completely different then "VERIFY", and you need to make sure you state that you want it Validated! That means the creditor must supply you with copies of contracts, bills, receipts, and everything used to prove you have a legal obligation to pay this bill.

By law, the CRA is not allowed to post "non-validated" information on your report. Doing so is a violation of the Fair Credit Reporting Act, and they can be sued.

Again, if the creditor has lost your records and can’t product this legal evidence, he will have to delete your record. If he ignores your letter, does not supply you with any valid evidence, then send another letter to the CRA, along with copies of your letters to the creditor, and demand that the listing be removed from your records due to "lack of validation". They will remove it, because it would be a simple matter for you to sue them.

In most cases, you will get your debt validated by the creditor. Those records are not going to be removed unless you can prove they are not accurate. So examine the papers the creditor sent you and look for errors.

Like I said, this will not remove all of the entries from your history. But it will remove some. And it does work, I’ve done it myself and have helped many others do it.

This is the same method those credit repair agencies use, but they charge you hundreds of dollars. You can do this yourself.

is it legal to freeze my credit report? or can I change my SS number in order to start a new credit report file? I would really like to know what are my options.
Thanks for your help!

you can remove negitive info that is incorrect. there is a chance to remove legitamte info if the creditor does not respond. you should negotiat payoffs and in that negotiation for a positive report to be made to bureas.
it takes more like 90 days the 30 day thing is a quick fix that may in the end simply reafirm debt

This e-book will help you understand your credit file, score and most importantly show you how to raise your score by "fixing" errors. the process is 3 steps and will take 60-90 days and you may have items removed and or payed off for far less than you thought. then you may be eligable for a credit card, car loan, or mortgage. estimated 70 percent of reports contain errors that might cause consumers to be denied credit. Fair Credit Reporting Act requires credit-reporting agencies to fix these mistakes.

how to get free reports, negoiate debt pay off and understand credit myths. all links included , sample letters, lots of good information.

http://www.geocities.com/maverick_mathaeus/CREDIT_REPAIR.html