I have two "negative" credits against me according

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rrich

Joined: 19 Oct 2009
rrich's page
Posts: 1

24 Magic Points

Subject: I have two "negative" credits against me according

Mon Oct 19, 2009 4:11 pm

I once had a visa I was late paying off, by 90 days. That was over two years ago. And now I have a mistaken creidt problem created by a company in the past year.
I want to once again have a visa, what can I do to get rid of these negative credits?

peacockrancher

Joined: 07 Sep 2008
peacockrancher's page
Posts: 51

62 Magic Points

Mon Oct 19, 2009 4:19 pm

You can try to apply for one and hopefully get one to start a payment history on your report. If you keep a good payment history it will eventually start building your credit score up again.

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1298

28935 Magic Points

Tue Oct 20, 2009 10:06 am

Hi Rrich,

For the mistaken credit problem, I think you need to dispute it with the credit bureau through a dispute letter . As for the late payment is concerned, that will stay on your report for 7 years as any other negative item unless you can negotiate with the creditor. You can send a goodwill letter to the creditor stating your condition and that you wish the negative item to be removed from the credit report.

See if this works and keep us informed about your situation.
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All the Best Smile

Justin

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