How to get rid of negative items on your credit report

julieats · Guest 0 Magic Points

Hi Carol,

I recently pulled my credit report and I ran into an old mortgage loan that I defaulted in. It states that the account was charged off as bad debt and it does not show a current balance. However, it does show a past due balance. Does this mean I still owe this amount? The house was foreclosed and the other debts involved have been resolved and zeroed out. This was the only one that showed a "past due" amount so I'm a little confused.

Thank you,
Julie

zxka · Guest 0 Magic Points

I have 1 potentially negative as paid/close on my credit report. But it says that will show on my records from 7 YEARS. I just can't believe it, I was living in Brazil and never got that $45 bill

What i need to delete that from my credit report? It's paid/closed but I just don't wanna that on my credit report....... Sad

PLEASE HELP !

SusanStephen · Guest 0 Magic Points

I did not clear out I spoke to the people who bought the Dead several times and tried to negotiate I received no paper work They would not negotiate in any way and wanted the 22,000approx within days or threatened bankruptcy One the Friday they rang my father he was raising the money to lend me Due to there attitude He said know and I declared myself bankrupt. Had I been in a better mental space and had time I need not of gone bankrupt as property was involved These people with there bulling caused me to make a very big mistake. There listing lastes for another year. Could you tell me where I can find the rules you have to apply with prior to making a listing to a file.

YESENIA · Guest 0 Magic Points

HI CAROL, I HAVE TWO NEGATIVE ACCTS THAT ARE ALREADY PAID AND CLOSED BUT FOR SOME REASON THEY APPEAR AS OPEN AND NEGATIVE. DO YOU THINK I CAN DELETE THEM FROM MY CREDIT REPORT?

mcasiano · Guest 0 Magic Points

Hi everyone, I need help! I am in the process of buying a home. I monitor my credit daily and got an alert because a collection was placed on my report , which caused my score to drop...This was a medical bill that I had already made a payment towards and the rest of the payments were set up for automatic draft from my checking account! I called the collection agency and they told me they were sorry they dropped the ball...I asked that they correct this information and delete from my report..they sent me a letter stating that they will delete... Once they delete this.. will this bring my score back up?

Kerriann · Guest 0 Magic Points

All of these aritlecs have saved me a lot of headaches.

Geri · Guest 0 Magic Points

Gee williekrs, that's such a great post!

emani · Guest 0 Magic Points

Hi Carol, which one is better....a pay for delete or satisfied in full?

Joseph9989 · Guest 0 Magic Points

If a potential negative account has been closed, is it still affecting my credit score?

MaryBrewer · Guest 0 Magic Points

I just received a bank satisfaction for a house that was in foreclosure. I was wondering what the next step I would do to get it off my trw and credit rating. I would appreciate any advise you can give me.

thank you.

mary

JMae · Guest 0 Magic Points

Carol,

I was co-signer for my mother on a Care-Credit card (for a veteranary bill) in 2007. She never paid it off and only made the minimum payments and the bill went from around $600 to now over $1000. She declared bankruptcy in 2010 and now it is only showing up in my name. I never made any payments and was just a co-signer. Why did the item not "go away" when she declared bankruptcy? Now it is only showing on my credit report as a negative item that I never paid. How do I get it removed from my credit? It has been sold off from the originial creditor to a different entity as well. Can I contact the original creditor to get it removed?

JMae · Guest 0 Magic Points

Carol,

I was co-signer for my mother on a Care-Credit card (for a veteranary bill) in 2007. She never paid it off and only made the minimum payments and the bill went from around $600 to now over $1000. She declared bankruptcy in 2010 and now it is only showing up in my name. I never made any payments and was just a co-signer. Why did the item not "go away" when she declared bankruptcy? Now it is only showing on my credit report as a negative item that I never paid. How do I get it removed from my credit? It has been sold off from the originial creditor to a different entity as well. Can I contact the original creditor to get it removed?

Joined: 13 Aug 2007 Posts: 1889 1387 Magic Points

Hi!! Welcome to our Forum. I'm not Carol, but..I would guess the item didn't go away because your name was on it, as well. Your moter filed for BK ,not you. I'm just giving my '2 cents' because i saw this ame thing happen to someone I know. Actually, it was the other way around for this person. Her dad co-signed for a personal loan for her. She filed BK and her loan was 'discharged' under the BK. However..the loan was still on HIS credit because he was the one who co-signed. I'm sure, though, an expert will be by your poat soon and give you the correct answer.

Joined: 13 Aug 2007 Posts: 1889 1387 Magic Points

OH I forgot to say..YES.. I think you should call the creditor to see why this account is still onyour credit!!

MicrosoftOEMSoftware · Guest 0 Magic Points

BTDr8l Im obliged for the blog article. Cool.

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