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Remove Negative items on credit report

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Joined: 11 Feb 2010
Wasco_Kid's page
Posts: 32

7705 Magic Points

Subject: Remove Negative items on credit report
Posted on Sat Feb 13, 2010 3:03 am  

Hello All,

There is alot of information floating around the internet about how to handle the credit repair project yourself. I would like to review the basic areas to try to put a flowchart together that would help myself focus on the overlooked strategies of credit repair.

1. pull a copy of your credit report and review the tradelines to identify damaging issues to your credit score.
2. Compile a send in DV (debt validation) letters to those tradeline furnishers who are identified as collection agencies. Send the letter certified mail with electronic signature confirmation or RRR (return receipt requested).
3. wait 30 days for a reply.
4. Re-send a followup DV letter to the CA with CMRRR (CMESC); include a copy of the original letter with the CMRRR.
5. File a dispute with the CRA and include a copy of the original letter with CMRRR requesting to remove the tradeline because the CA did not validate the tradeline.
6. If the CRA verifies the tradeline then file a request for MOV.
7. Send a 623 letter to the OC and see if you receive a reply.

How is this so far. What am I missing and where do I go from here?


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

48565 Magic Points

Subject: remove negative items on a credit report
Posted on Sat Feb 13, 2010 7:43 am  

Hi Wasco,

If you are talking about removal of negative items from your credit report, then you are a little wrong Smile . Negative listing and wrong listings are 2 different things.

For removal of negative items one needs to first validate a debt, then pay off the due amount to the creditor or collection agency (CA) along with the agreement of a"Pay for delete". However there is no such rule that the creditor or CA will have to validate the debt within 30 days. This is for removal of negative items or for those accounts you have been delinquent upon.

To remove wrong listings you need to dispute the items either with the CA or the credit bureaus or CRA. Wrong listings are those that have been listed incorrectly on your report. If you have payed off a debt, or if a debt is not yours, but still it is showing up on your report, it is considered to be a wrong listing.
Keep in touch Smile
James Orr

James Orr

Joined: 07 Jun 2009
JamesOrr's page
Posts: 52
Location: Maharashtra

293 Magic Points

Posted on Tue Feb 16, 2010 2:29 pm  

Hi wasko,

You cannot remove negative items from credit report. They will automatically remove if you improving your credit score. Never make late payments.

Secure Credit Cards will help you to improve your credit score faster.

Joined: 26 Feb 2008
fireyone's page
Posts: 4246

142 Magic Points

Posted on Tue Feb 16, 2010 3:12 pm  

This is always so confusing when your are not someone who is highly educated in the credit repair field. I like the original poster always seem to get different answers about the negatives. It has been my belief (from other members advice) that if you can get the creditor to agree for a pay for delete then you can in fact remove a negative. Others will say no to this. Is this because if a collection agency bought the debt you can not get it entirely removed because the orginal creditors mark is still there?

Joined: 11 Feb 2010
Wasco_Kid's page
Posts: 32

7705 Magic Points

Subject: Remove Negative items on credit report
Posted on Tue Feb 16, 2010 3:49 pm  

Funny how everyone claims you cannot remove negative items from your credit report. Well, I am here to tell you you are all wrong.
Yes, you can remove negative tradelines with a pay for delete letter; if the CA and/or OC accpet it and follow through.

Negative listings that are not your accounts can be removed by the CRA by disputing them.

Now for all to people who continue to claikm you cannot remove a negative listing that is a legitimate your homework. Some of us smuks have had success in getting legitimate accounts removed by both the OC and/or CA. The cost.....time, postage and patience.

Yes, it is unethical but never impossible.

Remember, the same laws that protect the consumer rights are being manipulated by the OC, CA and CRA's. You can use those same loopholes against the same violators of the laws that are established to protect the consumer. Turn the tables on the industry.

Will the legitimate account re-appear? It is possible.

Will they eventually drop off your credit report....yes.
But why wait, if you don't have too.

Joined: 11 Feb 2010
Wasco_Kid's page
Posts: 32

7705 Magic Points

Subject: Remove Negative items on credit report
Posted on Tue Feb 16, 2010 7:55 pm  

SInce Junly 2008,

I have had good success removing negatives from my credit reports that were in fact legitimate accounts.

Transunion - 6 accounts removed/deleted
Experian - 12 accounts removed/deleted
Equifax - 18 accounts removed/deleted

These include collection accounts, charge off's, 120 late pay, lien and a judgement.

Yes, the accounts are still owed, but they have not re-surfaced on any of my credit reports yet. Will they.....most likely not as the reporting timelines are near their 7 year cycles.

How? By using similiar persistence tactics by OC abd CA. Only difference is the combination of the law and statutes used to accomplish the goal of cleaning up my credit. The same statutes and laws used to protect the consumer from consumer rights violations can be turned against the CA, CRA and OC.

It is a matter of finding the right process and tools as each situation is different. The FTC has been little to know help. The attorney General has spurred some assistance in confirming receipt of correspondence. The best help I have found has been the the various forums throughout the internet that has time tested situations of both success and failures; plus the BBB, local District Attorney and of cource the FCRA, FDCPA, FCBA and FACTA.

My personal goal is too continue fighting until I have exhausted every possible remedy and the 7.5 year reporting cycle has lapsed.

I will not pay anything to these legitimate accounts until they can refutably show proof I owe the money. Persistance, patience and education can do wonders.

All this being done without a credit repair company. I have still yet to litigate with a OC, CRA or CA; but I am sure I am well prepared with all my ducks in a row....should the need ever arise.

Until them I will thank my lucky stars I have not had to go to the extreme legal measures.
Credit King

Subject: You can remove a nevative item
Posted on Sat Aug 07, 2010 11:32 pm  

You can remove a negative item before the 7 year period... But it will take some god honest prayers and hopes that the party whom reported this will honor your request... Per my lawyers advice, you can send in either a letter or a phone call to the party in which placed the negative item on your credit report.. My auto loan people, stated that they did not have to report the negative item in which they stated that if I were to make consistent payments on time thereafter that they would remove the negative reporting, and sure enough it has happened... it takes some creativity because the credit reporting agencies are so big that they can in fact remove something ....
joanna murry

Subject: bogus items on my credit report
Posted on Wed Jan 26, 2011 7:27 am  

Someone has pulled my credit about 30 times or more in past 2 months trying to get loans in my name. My credit score dropped to 540 because of this and I want those removed immediately. I don't know who did it but I can't use my credit at all now.

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1320

6419 Magic Points

Posted on Sat Jan 29, 2011 1:30 pm  

Have you reported this to the police? have you frozen your credit? I would make a written request for all info on these credit applications. Are they from nearby? maybe you can go to the businesses and get there help in finding the perpetrator. I would dispute the inquiries and notify the attorney general. ask them for help in stopping the ID theft and getting the CRAs to delete the inquiries
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Subject: Negative Credit can be remove.
Posted on Fri Mar 11, 2011 6:58 pm  

As for those who assume that you can not get negative credit remove from credit reports. Whether they are legitimate accounts or not, Yes you can. You need to challenge them with the accuracy of reporting the debt. As you know that FCRA requires the CB and CA to report 100 % information on Credit Reports. Challenge them on the accuracy and watch how some of the negative credit get deleted. I have had many removed from my credit report. Such as repo, liens, charge off etc. And none of them try to re enter the information again.

Posted on Sun Mar 20, 2011 12:16 am  

Most times you cannot remove negative items off your credit list but you are able to have the negative item turned into a positive item. What you need to do is file a dispute with the credit card agencies I usually do mine online since it is easier. Then you usually pick from the reasons why you are disputing the item for example: never paid late. Now what most people don't tell you is that if the credit report agencies don't hear back from whomever your disputing against say a credit card within 30 days they automatically side with you. I currently have 2 negatives items on my credit report turned into a postive. I am working on some more and the more likely than not when you get one credit report agency to change something on your credit report it is easier to get it changed on the others.
wild willy

Subject: credit bureaus
Posted on Tue May 03, 2011 12:29 am  

there is also something else that seems to me no one has mentioned.I recently,bought my credit scores,and if you can believe this my credit scores actually took a significant''hit'' would someone tell ''what is up with that crap''

Posted on Thu May 05, 2011 3:54 pm  

how do you remove a negative off walmart ive tried calling them cause they maild the bill to the wrong address twice now i am trying to buy a house and walmart refuses to remove that from my credit score i dont know what to do can someone please help me


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

1916 Magic Points

Subject: credit
Posted on Mon May 16, 2011 1:18 am  

Is it a CC htat is a Walmart CC? When you called them, could you have possibly paid the debt right over the phone? If you did have an opportunity to do this, that doesn't mean they would have taken it off your CR. Maybe you can call them again and ask about arrangments and if it IS possible to remove the 'negative' item.

Posted on Wed Jun 15, 2011 9:38 pm  

so what happens if the CA or CRA returned the "pay for deletion" letter signed ,and agrees to remove or change the negative status into a positve, but does not follow up on that agreement? What other course of action is there? Does one then send the signed agreement to the credit bureaus for removal?

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