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marrilaida



Joined: 13 Jul 2010
marrilaida's page
Posts: 3



57 Magic Points

Subject: Delete Credit
 
Posted on Tue Jul 13, 2010 4:19 pm  

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






Subject: Delete your credit
 
Posted on Wed Jul 14, 2010 6:03 am  

You can delete your bad credit and not your credit. Did you mean to say bad credit?Sad
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: deletion of negatives
 
Posted on Wed Jul 14, 2010 11:55 am  

Hi marrilaida,

Welcome to this community Smile

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
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Wed Jul 14, 2010 12:28 pm  

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!!
marrilaida



Joined: 13 Jul 2010
marrilaida's page
Posts: 3



57 Magic Points

Subject: Delete Credit
 
Posted on Wed Jul 14, 2010 2:15 pm  

Yes it is my bad credits whom i want to delete.... my bad, barbara elena. Smile
marrilaida



Joined: 13 Jul 2010
marrilaida's page
Posts: 3



57 Magic Points

Subject: Delete Credit
 
Posted on Wed Jul 14, 2010 2:20 pm  

@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. Smile
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Thu Jul 15, 2010 1:14 am  

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.
skycrawler



Joined: 12 Sep 2010
skycrawler's page
Posts: 1
Location: St Petersburg Fl.


25 Magic Points

Subject: Delete Credit
 
Posted on Sun Sep 12, 2010 2:12 pm  

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.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: bad credit
 
Posted on Tue Sep 14, 2010 10:27 am  

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

Thanks,

Aaron
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jumbo2011



Joined: 26 Apr 2011
jumbo2011's page
Posts: 5



23 Magic Points

Subject: Re: Improve your credit score
 
Posted on Mon May 09, 2011 11:07 am  

I think you can’t do that. You can’t delete your credits and boost new credit's score?
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Sun May 15, 2011 5:37 pm  

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.
Sally Nachelle
Guest






Subject: Delete Credit
 
Posted on Sat Jun 04, 2011 10:08 am  

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.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1883



1916 Magic Points

Subject: credit
 
Posted on Sun Jun 05, 2011 10:06 am  

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.
DibbaDemelab



Joined: 24 Jul 2014
DibbaDemelab's page
Posts: 3



56 Magic Points

 
Posted on Thu Jul 24, 2014 5:00 am  

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.
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LucyCowlergni



Joined: 28 Jul 2014
LucyCowlergni's page
Posts: 7



64 Magic Points

 
Posted on Mon Jul 28, 2014 6:01 am  

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.
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