What can i do to increase my credit score?

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juliabluevw

Joined: 19 Nov 2009
juliabluevw's page
Posts: 1
Location: Maryland

23 Magic Points

Subject: What can i do to increase my credit score?

Thu Nov 19, 2009 8:23 pm

I paid off all my debt. I want to clear my credit report of as many things as possible. I have charge offs. I have things that i paid still showing a balance or that it's still active. I want it to be cleaned up. Please help.
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debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 605

89 Magic Points

Thu Nov 19, 2009 9:01 pm

As far as the debts you paid off they will remain for a total of 7 years. At this point there is nothing you can do now except wait for them to fall off. Now if you hadn't paid them off you could have sent out paid for delete letters and ask the creditor to remove the negative listing once it was paid. But since they have their money. They have no reason to do that now. As far as the rest you can dispute those with the credit agencies to have that fixed.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1498

111 Magic Points

Subject: credit report

Sat Nov 21, 2009 1:40 am

Great to hear you paid off your debts, OP. But, yes..they will remain on your CR for a certain time. However......the GOOD news is the LONGER your debts stay on your CR's (even if they are PIF..) the OLDER they get...which means your Credit score WILL go up with the 'aging' of the debt. Hope this makes sense.

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