Remove old debts from credit report?
146481
Yes there is. This is an attorney I use check it out http://www.bradleyrosslaw.com/.  You can also do it your self just do a search on credit repair and you will find that there are many books on the subject.  I would also suggest that you start building positive credit with a secured credit card.  Once you get it don't ever go over 50% of of the limit, this way you credit score will be higher.
1150550
First of all, how old are the tradelines (reported items) on your credit report? If they are old enough, say 5-6 years old or more, you may be able to dispute them. However, you must be aware that you do not want to initially dispute with the credit reporting agencies, but with the creditors themselves. It is called a "Request for Validation." Persuant to the Fair Debt Collections Act, 15 USC 1692g Sect. 809 (b), the debt collector must provide you with evidence that the debt belongs to you. If they CANNOT provide you with sufficent written proof, then persuant to Fair Debt Collections Act, they must stop all collection activity, and delete the tradeline from your credit report. BE AWARE: not all collectors are willing to cooperate. They may report a current delinquincy on your credit report while you fight the debt, and may begin the collection attempts all over again. Also keep in mind that it is very feasible that the creditors may validate the debt(s), re-report to the credit bureaus, and your score may go down. \n     Please note that there is no such thing as a quick fix. Fixing your credit takes time, energy, and a whole lot of patience. Don't fall prey to any company that claims to fix your credit overnight, especially when they are charging a ridiculous amount of money.  Even if it is possible, the next scoring cycle may put you right back to where you started. Credit repair can be done on your own for free. If you are interested, I have completed a massive amount of research, and I have a collection of interactive PDF forms that you can complete and mail off to the collectors as well as the credit reporting agencies. \n     If a creditor validates a debt, then you need to work with them on a settlement. DO NOT send them a payment without a written agreement of the terms. Collectors are tricky, and want to collect as much from you as they can. In other words, get everything in writing. Again, I have settlement forms in PDF format should you be interested.\n     All of these techniques have worked for me, as I have increase my score over 120 points in the past 14 months. At a 518 FICO score, you really don't have much to lose...
426070
What was the date you defaulted on the loan?  When did you pay last?\n\nWith that much penalty/interest, it sounds like an old debt.  Each state has a statute of limitations, and after that time you have no legal obligation to pay the debt.  So that will at least get any creditors off your case.\n\nAs for your credit report, you can try what the previous responder said, and send a letter to the collection agency (See the links I've supplied below for info).  But I'm going to bet it won't work in your case, especially for a large credit card company that does this nonsense all the time.  They know the game, and know how to play dirty.\n\nJust because a loan has been charged off and closed does not mean you are off the hook.  The balance can be sold to a collection agency, and they can continue to try and collect.  Without looking at your agreement, I can't advise on how legal their intrest and penalty charges are.  But they will also threaten you with legal fees if they try to take this to court.\n\nCredit reporting agencies will report this debt for 7 years, after which they MUST remove it.  So check the dates, and if this is an old debt my suggestion is ride it out, then watch the report drop by itself.\n\nContact me if you need more info.
115373
Under federal law, most negative information on your credit report must be removed after 7 years.  This law is the Fair Credit Reporting Act and is not a matter of state law.  Some items such as bankruptcy may be on your record for up to 10 years.
34012
If you have a charge off, you have to pay the debt.  That's the only way to get rid of it.  You can wait 7 yrs til it falls off your credit report, but you still owe the money, collectors will continue to call you.  A charge-off is a term used to explain a debt that is over 180 days past due.  If you wait for it to fall of your credit report, you also run the risk of them filing a judgement against you (which is on your credit report for 10 years!), or suing you for the money before the 7 years.  LOL at all the people who think that your debt disappears after 7 years.  That's just the limit as to how long it can hurt your credit.  You will always owe the money.\n\nThe other people who have responded have responded in a way as if the debt wasn't a valid debt.  If this debt is rightfully yours, a letter of dispute or any of the suggested things are useless.
562090
The creditor can remove the bad credit information if they want to...you just have to ask them.  If they won't clean your record, why pay them?  \n\nSend them a letter saying that in exchange for a written promise to delete the negative information, you will pay the debt.  That's the only way you will get your record cleaned up.\n\nThese people who tell you that they will put "paid" on your account and it will look better then an unpaid debt are lying!  It's still a negative report, and it's going to hurt your credit score!
167107
Do not pay it, unless you have a written letter from the university stating that it will remove the bad rating from your credit report.  Most creditors will just mark it as paid and it will show as a paid collection account.  That is the worst mark you can have on your credit history.\n\nNegotiate with them to lift the mark and have it in writing before you pay.  After you pay, it will be too late and they will not take the effort to remove it.
989481
Dealing with old debt \nBy Lucy Lazarony • Bankrate.com \nDon't let an old debt come back to haunt you. \n\n\nSome debt collectors are unearthing old debts, debts that are five to 10 years old or more, in the hope of squeezing some fresh money out of unsuspecting consumers.\n\n"I had one guy who got a call on a debt 14 years later," says Gerri Detweiler, author of "The Ultimate Credit Handbook."\n\nA collection call on an old debt can be tricky to handle, and if you handle it wrong it could lead to big trouble down the road. \n\nFirst off, it's important to realize that an old unpaid debt can't hurt you nearly as much as a new unpaid debt. \n\n- advertisement - \n \n \nAn unpaid credit account will mar your credit report for seven years. But once your debt passes the seven-year mark, you're in the clear. \n\nWith newer debts, debt collectors may call and threaten to sue you day in and day out. With an older debt, any debt collector that threatens to take you to court is breaking the law.\n\nThat's quite a difference and it all hinges on whether the debt a collector is haranguing you about is beyond the statute of limitations for delinquent debt in your state.\n\nOnce a debt is older than the statute of limitations for debt in your state, a debt collector no longer has the right to sue you for payment. You may still have a moral obligation to pay back the debt, but you can't be sued over it.\n\n"They can still ask you to pay, but they can't threaten to sue. If they do, it's a violation of the Fair Debt Collection Practices Act," says John Ventura, a consumer attorney in Brownsville, Texas, and author of the e-book Stop Debt Collectors Cold.\n\nLet's say you still owe some money on an old credit card account left over from your college days, 10 years earlier. And let's say the statute of limitations for credit card accounts in your state is five years. \n\nA debt collector may call you and ask you for payment for this forgotten account, but he can't take you to court or threaten to sue you over it. If he does, he's violating the Fair Debt Collection Practices Act. \n\nAnd since the debt is more than 7 years old, it's no longer listed on your credit report.\n\nWatch your step\n\nEven though a debt collector won't ever admit it, you're the one with the advantage here. But one little misstep could change all that.\n\nIn some states, making a partial payment to a debt collector or even acknowledging that you owe the money is enough to make an old debt new again.\n\nIf this happens, the five-year statute of limitations on your debt starts all over again. A debt collector has five more years in which to sue you for payment. And a non-payment on your new-again debt could be reported on your credit report. Then the advantage transfers to debt collectors.\n\nThe best way to handle a collection call for an old debt is to say as little as possible. Don't agree to pay. Don't acknowledge the debt. \n\nIn her book, "Money Troubles: Legal Strategies to Cope With Your Debts," attorney Robin Leonard offers the following advice: \n\n"You should never talk to the collection agency about it at all, even if they call at a permitted hour of the day. Just hang up the phone or put the receiver down and walk away."\n\nThe best way to respond to a collection notice on an old debt is in writing.\n\nUnder the law, a debt collector must send you a written notice telling you the amount of money you owe and the name of the creditor. If within 30 days of receiving this collection notice you write a letter back disputing the debt, a debt collector may not contact you.\n\nIt's a good idea to send this letter via certified mail so you'll have proof that the debt collector received it. Under the law, a collector may only renew collection activities if proof of the debt, such as a copy of a bill, is sent to you. \n\n"Definitely seek a
1154720
Write the creditors that haven't updated your report as yet.  They will be more than happy to see that you "did it" yipee! They will take a few weeks but keep checking.  They might even remove the report altogether but usually stay on for three years, some won't remove the report, even if paid off, for 10 years.  I even had one down in California (dept. store) that refused to remove my report, even paid off...ever.  I said what? They said we never will, you were bad.  Well, its gone now but that was years and years ago. Call the folks to be sure they process you as Pid In Full to each credit agency.  Its a lot of work, buy YOU did a lot of work to pay it off, now its their turn.
757690
You can send a letter to the credit bureau requesting that they add it.  Send along any evidence you have of the debt.  They will then contact the creditor to verify the information.  \n\nIt can not be added if it's not verified.
991465
As a former financial counselor seeing the number 7 makes me cringe. I am not sure where people get their information, but the "7 year" rule is something from the past. Realistically nowadays, depending on the type of debt, negative credit history can remain on your credit report up to 10 years, sometimes even longer than that. Collection agencies make it a regular routine to sell older accounts from one to another, each time reporting it as a new uncollected debt on your report. As far as bad debts, the statutes of limitations, which varies by state, is 7-10 years after your first delinquency. That is, this is the amount of time that can pass before the lender is no longer able to take any legal actions to satisfy the debt. If I were you, I would make an honest attempt to pay off some of these debts in order to improve your credit rating. It's always better to take action than to sit back and wait for things to happen. Bad credit isn't fixed overnight. It takes time and energy on your part to correct the situation that you put yourself in. Be patient and make an effort, and you will see your credit rating improving over time.
856252
Yes, I have disputed and had the negatives removed, but the negatives were inaccurate. Sometimes it is best to "let laying dogs sleep" if the negative is old and accurate. By disputing the claim, you are refreshing the memory that you have an accurate debt with the creditor and since they will be updating the bureaus, your credit score could slightly drop since the account will look like it has had recent activity. Plus, if the creditors start to contact you since you reminded them of the debt, you will have to be careful with what you do so that you don't lengthen the statue of limitations (allowing them to have a chance to sue you for a longer period of time).
701086
Medical debts are easy to settle and remove from your credit report. (depending on what company is tryingto collect of course) \n\nI would reccommend settling the debts by offering small amounts of money. Ask the collection agency to provide proof in writing that they are willing to settle and also that they are willing to delete from the credit bureaus. Even if they are not willing to delete, you can settle them and after you do dispute them and they will probably not respond, then the items will come off your reports. \n\nThis site has a free downloadable credit repair and debt settlement kit. Just open the free e-book and read it, then use the free letters that correspond with your problem. \n\nhttp://www.expert-credit-advice.com/\n\nThey offer the service too, but try to do it yourself first.  \n\nYou dont need to be paying anyone if your in debt. Just start saving money and settling the debts one at a time.....
451345
The problem with simply paying off the debt does not remove the negative report from your credit history.  They may show the debt paid, but it will still reflect late payments, or that it went to collections.\n\nIf you choose to go this route, be sure to get IN WRITING a letter stating that they will remove this debt from your history BEFORE you pay a dime to them!  \n\nHere is a better suggestion.\n\nSend the creditor a demand to VALIDATE your debt.  That means they must send you copies of you contract, bills, receipts, and anything that can prove you have a legal obligation to pay this debt.  \n\nIf they do not respond back in 30 days, send a copy of this letter to the credit reporting agency, along with a demand to remove the entry due to lack of validation.  They must remove the entry or risk a lawsuit for violation of the Fair Credit Reporting Act.\n\nBe sure to send all letters by certified mail, so you have proof they were sent and received.  Otherwise you have no proof to show the judge if you go to court.\n\n\nMany of these magazine companies don't even keep your contracts on file, and it will be impossible for them to prove your debt.  Rather then spend a lot of manpower searching for these records, they will simply opt to remove the listing.
1016146
They should be removed from your credit report after 7 years.  sometimes you have to write each credit company (experian, trans union, equifax) and tell them so they remove it.
1147624
creditor and it's report stays on your report for a minimum of 7 years.....However, if your current credit is positive and stays clean for at least 24 months....you will mitigate most of the damage the bad debt does to your FICO score.....\n\nMost the time, it will take you written requests, follow up to actually get it removed directly to each of the reporting agencies - obviously you need to wait 7 years to even begin to try.\n\nBut, again, it's your recent activity of demonstrating credit worthiness that will count the most.
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.