Whats the best/Quickest way to clean up your credit report?

[Brock Landers]

Mine is "ok", but could be a lot better if i got rid of old shit that hangs around seemingly forever.

Some of you probably have experience cleaning these up.

Lets hear your best advice.

Smart asses need not respond.

[obamaismyuncle]

Bouncing checks at Chucky Cheese's again?

[Extra Innings]

Pay your bills on time. Use all your credit cards twice a year (no matter how small a purchase).

[Brock Landers]

Pay your bills on time. Use all your credit cards twice a year (no matter how small a purchase).

NO NO NO

This DOES NOT clean up the old shit thats lingered for 7 years....

Now Try again..

And Obama, FUK YOU. I said smartasses need not reply

[obamaismyuncle]

NO NO NO

This DOES NOT clean up the old shit thats lingered for 7 years....

Now Try again..

And Obama, FUK YOU. I said smartasses need not reply

Well geee jackass, if you have shit on there that you owe from 7 years ago, maybe pay the ******* debt If you paid the debt and it's still on there deal with it..let that be a lesson to ya..

Did you go out kickin' tires on new rides again today?

[Brock Landers]

Phuck you Obama

I know people....leave it at that pal

[Mikail]

www.annualcreditreport.com check this site out. You can fix your own credit for free by doing it yourself.

[tltaylor89]

NO NO NO

This DOES NOT clean up the old shit thats lingered for 7 years....

Now Try again..

And Obama, FUK YOU. I said smartasses need not reply

Brock most collections on your credit report are supposed to drop off within 5 years if they havent I recommend you go to myfico.com pull your whole credit report and 3 credit scores 2 times a year and make sure their are no items that have supposed to dropped off.As items such as collections get older, they have less affect on your score.Applying for credit all the time and adding new accounts can also lower your score.

[tltaylor89]

You can write the 3 credit bureaus with official forms and they will investigate and remover things that are either not supposed to be their or have supposed to expire and disappear.

[Mikail]

Just some good advice.... paying off debts already in collections will not help your credit report.

[flyingillini]

Paying your bills is good but not the solution. You need to have as much credit to you available with either a 0 balance or very very low. I have a black ** and at one time I had 95k for a balance and my credit rating went down. I now have 175k just worth of credit cards with a balance of around 25k and my rating is back where it should be. I know all about this. I am constantly buying property, getting loans, paying one off, getting another. I know all about what needs to be done to get your score higher.

[Mikail]

You can write the 3 credit bureaus with official forms and they will investigate and remover things that are either not supposed to be their or have supposed to expire and disappear.

that is what the link I provided above is for.

[Extra Innings]

This was an email I got from Brock two years ago...it was in reference to check kiting....whatever that is

"“I got this thing and it’s f—— golden and I’m not just giving it up for f—— nothing,”

[Brock Landers]

How about WWW.Lexingtonlaw.com ??

[tltaylor89]

that is what the link I provided above is for.

that is what the link I provided above is for.

SIte only gives 1 free report per year plus they dont show you the score why pay buying these scores individually you can end up out of $70 just with the 3 instead of just $49.95.

[Brock Landers]

This was an email I got from Brock two years ago...it was in reference to check kiting....whatever that is

"“I got this thing and it’s f—— golden and I’m not just giving it up for f—— nothing,”

[Mikail]

SIte only gives 1 free report per year plus they dont show you the score why pay buying these scores individually you can end up out of $70 just with the 3 instead of just $49.95.

yes Taylor you do have to pay to get the credit scores from experian, trans union and equifax, but the point is you can see what negatives are on your report and if disputed correctly, you can have them removed. I do agree that having to pay for the score is the downside here though.

[blackbeSSt]

7 years ago huh. bankrupt much there brockly?

[poker_dummy101]

Phuck you Obama

I know people....leave it at that pal

i know people too brock...leave it at that tough guy

[philswin]

Get a copy of the report and dispute every negative payment, you can do this online. Some lenders do not bother to respond or do not respond it time, other than that nothing you can do except make regular payments.

[mrmarket]

Contest the items you want removed from your report at the end of the year. The agents are bombarded with work/holidays/etc. at this time and are more lenient with evaluations. Sometimes they just remove everything you contest to save time and meet quotas without checking the validity of anything. It works in Canada but it is unethical. The bureaus used to greenlight all the applications made before the end of the fiscal year that they couldn't get to so they wouldn't get backlogged but I am unsure if this practice is continued today.

[Mr Windy City]

I know a broad that works at the downtown Transunion office here in Chicago, Brock. Not sure if she can help ya. Sounds like you got some real delinquent debts

[stikymess]

As everyone is saying pull the credit reports, free of course then dispute as "not yours", they will be forced to investigate and some may drop off, that the first place to start.

~ worked two years in accounting at a collection agency.

[tltaylor89]

As everyone is saying pull the credit reports, free of course then dispute as "not yours", they will be forced to investigate and some may drop off, that the first place to start.

~ worked two years in accounting at a collection agency.

Now some collection agencys will refile the collections so have extra dispute papers on hand.

[curious]

Mine is "ok", but could be a lot better if i got rid of old shit that hangs around seemingly forever.

Some of you probably have experience cleaning these up.

Lets hear your best advice.

Smart asses need not respond.

A few words of advice. If something is fairly old you should let it alone. If you contact the creditor or dispute the account the creditor will update the date of the account and make it look like it is recent. Better just to leave it alone.

Some people advise to dispute anything in your report and hope that the creditor either can no longer prove it or is too lazy to respond to the dispute in which case the credit item will be removed. This is dangerous though if the accounts are old because they will be updated with the current date and will then appear as if they are recent. The older something is the less it affects your credit score.

If these are things that you still owe money on you can make an offer in compromise in which one of the conditions is that the creditor mark your credit file "paid satisfactorily", just make the $ amount full price to give the creditor incentive to work with you.

Some creditors will say "**** you" in which case you can make an offer in compromise in which you offer less than the full amount and make the condition of the credit reporting be that they report it as a 0 balance.

Some creditors will still say "**** you" in which case you will have to pay the full amount.

If you have any liens or judgments pay them and they will be taken off your credit report.

If you have current accounts with large balances pay them down, don't pay them off, so that the % of what you owe is low compared to your available credit. Let's say you have credit cards with a maximum balance of $20,000 and you only owe $5,000 on them, that means you have $15,000 available balance, which is good in terms of credit score. But, if you owe $15,000 and only have $5,000 available balance, that negatively impacts your credit score.

If you have a lot of credit cards pay some of them off and cancel them. Or, if you have credit cards you don't use any more cancel them.

I can't give more specific advise without knowing more details.

[THE PROFIT]

pay your fukin debts

[Brock Landers]

7 years ago huh. bankrupt much there brockly?

Nope

i know people too brock...leave it at that tough guy

I wasn't talking to you fukstick

[THE PROFIT]

brock, just call equifax & threaten them

[Brock Landers]

brock, just call equifax & threaten them

try getting a live fish on the line there...damn near next to impossible.
And that won't work either, they are off in sealed booths controlling the world

[flyingillini]

I have never once in my life been sent to a collection agency or been late paying anything. Am I the only one that is like this? There has to be others around here.

[Darkside Magick]

the fastest way to improve your credit is opening a line of unsecured credit.....one line of unsecured "revolving" credit = 6 deleted items. positive outweigh negative items

[Brock Landers]

the fastest way to improve your credit is opening a line of unsecured credit.....one line of unsecured "revolving" credit = 6 deleted items. positive outweigh negative items

places like Citifinancial or personal loan companies are actually NEGATIVES...

[Darkside Magick]

those are not revolving credit. and yes they are consider negative... revolving credit is VC , bestbuy.etc! plus i need to know what you got on yr credit report to give you the best recourse...everybody situation is different!!! i know people who raise their points like 200 in 45 days...it not really hard you got to know the system

[blackbeSSt]

well brockly if you check your report annually then you wouldn't have stuff on there from 7 years ago. the only negative thing that stays on there are bankruptcies. so either you haven't checked it in 7 years, or you did in fact file bankruptcy.

[Boner_18]

Yep. Things are gone before 7... That is a telltale sign of a chapter 7 or 11.