Delete Credit

Submitted by marrilaida on Tue, 07/13/2010 - 16:19

Can I actually delete my credits and boost my credit's score?

Barbara_Elena (not verified)

You can delete your bad credit and not your credit. Did you mean to say bad credit?:(

Wed, 07/14/2010 - 06:03 Permalink

Hi marrilaida,

Welcome to this community :)

You cannot delete credit as such to boost your credit. You will have to request your creditors, or collection agencies, or the credit bureaus to delete the wrong informations, and negative listings from your credit report.

However, you need to provide more information on your credit, so that the members here can help you in deleting wrong information from your credit report.

Thanks,

Aaron

Wed, 07/14/2010 - 11:55 Permalink

I've tried to 'work with' some CA's. They (some of them) give you the impression that 'you' aren't worth 'working with'. That can be frustrating!! But...I just keep on plugging away!!

Wed, 07/14/2010 - 12:28 Permalink

@aaron: oh ok. I thought I can actually delete my bad credits for as to boost my credit's score. Anyways thanks for your time. I will keep you posted after I talk to my creditors. :)

Wed, 07/14/2010 - 14:20 Permalink

Remember, though.........bad credit can stay on your CR for up to 7 years. If you think there are negative accounts, on your credit, that are NOT yours,..you can always 'dispute' those items with the CB's.

Thu, 07/15/2010 - 01:14 Permalink

It is always better to improve any credit information that is currently negative versus closing the account. If you mean delete your credit report all together this is not possible. You can ask the credit bureau of the major 3 or all 3 depending on who provided the info to either remove it or prove the entry is correct. Make arrangments with the creditor to make small payments so ther is atleast positive activity. Meanwhile remove old and outdated entries to raise your score over time.

Sun, 09/12/2010 - 14:12 Permalink

Yes, bad credit cannot be deleted as such. The negatives against the credit account can rather be removed.

Thanks,

Aaron

Tue, 09/14/2010 - 10:27 Permalink

Depending on how long the bad credit on on your CR. Usually,..with bad credit accounts, there is a 'fall off' date that is stated on your CR. If, for some reaqson, the debt hasn't 'fallen off' by that date, you can 'dispute' it with the CRA's. I actually tried doing that with a debt that was suppose to 'fall off'. After disputing it, it WAS off my credit.

Sun, 05/15/2011 - 17:37 Permalink
Sally Nachelle (not verified)

No, you cannot delete negative listings from your credit report. Negative items remain on your credit report for at least 7-10 years. If you want to improve your credit score, you will have to payoff your debt on time. Because, late payments affect 35% on your credit score.

Sat, 06/04/2011 - 10:08 Permalink

You may want to see if you can make arrangements with some of the CA's for 'Pay for Delete'...you pay off the debt and the CA's remove the debt from your CR. However....that just depends on whether or not the CA's are willing to do that. If they are, keep documentation of everything you have, etc...to prove the arrangements you've made.

Sun, 06/05/2011 - 10:06 Permalink

Actually deleting credit card will affect your credit score. So, to boost your credit score you may pay your dept on time, maintain low credit balances also.

Thu, 07/24/2014 - 05:00 Permalink

You can remove the negative information from your credit report, and boost your credit score but it takes time. Closing credit card it will hurt on your credit score.

Mon, 07/28/2014 - 06:01 Permalink
Edwina Jones (not verified)

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Sat, 11/03/2018 - 22:31 Permalink
Peddy Murphy (not verified)

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Thu, 11/08/2018 - 19:54 Permalink
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Wed, 12/05/2018 - 10:55 Permalink
Brenda Cosley (not verified)

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Wed, 12/26/2018 - 18:25 Permalink
Cherry (not verified)

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Fri, 01/04/2019 - 09:52 Permalink
Viola Flanagan (not verified)

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Sun, 01/06/2019 - 01:50 Permalink
Gunter Richard (not verified)

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Mon, 01/07/2019 - 07:27 Permalink
Dareywoods (not verified)

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Thu, 01/10/2019 - 14:28 Permalink
cjay (not verified)

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Wed, 01/16/2019 - 03:48 Permalink
James Lawson (not verified)

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Wed, 01/16/2019 - 14:45 Permalink
Nathan George (not verified)

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Mon, 02/18/2019 - 01:25 Permalink
Rasheita Gilmore (not verified)

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Tue, 02/19/2019 - 00:19 Permalink
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Wed, 03/27/2019 - 09:15 Permalink
May Cooper (not verified)

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Thu, 05/09/2019 - 02:43 Permalink
Kathy Brown (not verified)

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Mon, 05/13/2019 - 23:52 Permalink
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Tue, 05/14/2019 - 12:55 Permalink
Juliet Stankovic (not verified)

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Mon, 05/20/2019 - 12:12 Permalink
Mmmmmmmmary (not verified)

None of these emails exist in a real dB. Expected that. Can someone give me some more details especially how much?

Sun, 07/07/2019 - 06:40 Permalink
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Tue, 07/09/2019 - 23:53 Permalink
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Sun, 07/14/2019 - 02:23 Permalink
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Fri, 07/19/2019 - 12:15 Permalink
Felix Jacob (not verified)

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Mon, 07/22/2019 - 20:24 Permalink
Margxxie (not verified)

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Thu, 07/25/2019 - 23:07 Permalink
Eldy William (not verified)

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Sat, 07/27/2019 - 18:03 Permalink
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Mon, 08/12/2019 - 02:24 Permalink
Ava James (not verified)

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Mon, 08/12/2019 - 11:00 Permalink
Gibson Tim (not verified)

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Tue, 08/20/2019 - 21:05 Permalink
Jacob Smith (not verified)

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Sun, 08/25/2019 - 21:20 Permalink
Nguyen (not verified)

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Mon, 08/26/2019 - 16:40 Permalink
Megan Torres (not verified)

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Tue, 08/27/2019 - 14:29 Permalink
ALEX UBERT (not verified)

I’m grateful to XAP Credit Solution and his men. Few months’ back I was on my knees, this low credit stuff had me almost begging, things were so damn difficult. I went into depression, almost took my own life, until I read about XAP on Google forum and decided to try them out, guess what? I didn’t regret it. In 8 days my credit was glowing. Things started falling into place. You too can contact XAP on (XAPCREDITSOLUTION@GMAIL.COM or +1 972 597 9704). No matter how low it is or what negative thing is on your credit report, they are a surer solution. Just inform them. I am very happy to inform you that XAP CREDIT SOLUTION is truly the best. The criminal record on my report was removed as well

Mon, 09/02/2019 - 08:58 Permalink
Jessica Grigori (not verified)

My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
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Tue, 09/03/2019 - 02:33 Permalink
MONIKA LOVE (not verified)

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Tue, 09/10/2019 - 06:50 Permalink
Robert Ramon (not verified)

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Fri, 09/13/2019 - 18:00 Permalink
Jack Anger (not verified)

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Sun, 09/15/2019 - 16:19 Permalink
stevelugard985… (not verified)

Greetings....
Check out these blank ATM cards today. My name is Steven Lugard from California. A successful business owner and father. I got one of these already programmed blank ATM cards that allows me withdraw a maximum of $5,000 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $20,000. Mr RICHARD COSMOS of ultimatehackersworlds@gmail.com is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i first saw the advert, I believed it to be illegal and a hoax but when I contacted Mr RICHARD COSMOS, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible ultimatehackersworlds@gmail.com .

Sun, 09/22/2019 - 01:51 Permalink