How do I get items removed from my credit report?
363065
click "not mine"\nThey will be givin 30 days to prove that the item in question is from your doing, if not they have to take it off. Even if it is your fault click not mine every month and eventually they will screw up.\n\nedit: yeah make sure its been 30 days and then do it again
338196
Your credit report should reflect a zero balance, but they remain on your credit report for 7 years.  The only way to get them off before then is to request the reporting company to remove them.....)(
978237
Someone once told me that if you submit a letter to the credit agencies disputing information and they do NOT get to it within 30 days, that whatever it was that you were disputing should automatically be removed from your credit report from that agency. This was actually told to me by a lady in the finance department of a car dealership, so I think she probably knows her stuff. She says that there is a good chance that they WONT get to your dispute letter, because they receive SO MANY. Give it a shot, otherwise, you will need to submit paperwork to disprove that is YOURS- which means doing research, finding out  who may have done it,etc and if you know who did it, you need to file a police report and stuff. Good luck!\n\n-EA
81470
if the person affected your credit rating, contact FICO immediately. get a copy of your credit report, and then go through the process of writing letters to remove errors from your report.\n\nto move forward in life, business, or whatever, it's very important that your credit is clean!
370857
Bankruptcies will stay on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7).  There is no way to remove them.\n\nIf you want to do some letter writing and play the "game" read the files below.  They outline the proceedure and laws involved in protesting inaccurate and unfair listing to your credit report.
301161
Below are my best links. This will help you out.\n\nMy battle cry!   You are about to go to war.  Do NOT fight these guys unarmed.  Knowledge of the law is your only weapon.  Read the links below and get armed!!!!  \n\nKeep a few things in mind before you begin your battle.  If the reports on your credit report are accurate, there is nothing you can do to remove them.  \n\nYou can get some of the items removed by going through a precedure set by the Fair Credit Reporting Act.  It involves the following:\n\n-Dispute the listing with the Credit Reporting Agency (CRA).  They have 30 days to verify the debt with the creditor.  If they get no response, the listing must be removed.\n\n-If they do get a reply, and the listing stands, you can request that the item be disputed, and a message will appear on that listing for future creditors to see (and usually ignore).\n\n-Send a "validation demand" letter to each creditor.  They have 30 days to respond by sending copies of contracts, letters, bills, and anything used to calculate your debt.  They must prove that they have a valid debt, and you are legally obligated to pay.  Many times the creditor doesn't have the records, doesn't want to spend the time to search, or pay the manpower.  If they ignore this request, send a copy of the letter along with another demand to the CRA to remove the listing.  If they fail to do so, they can be held liable for a lawsuit.\n\nYou can sue for any failure to comply with FCRA law in small claims court (check with your state to see exactly how, as each is differant).\n\nKeep logs of phone calls, send all letters by certified mail, and keep copies of everything!  Carefully study your credit report for any errors.  Is the date they claim you defaulted correct?  Are the balances and credit limits correct?  Challenge all of them!\n\nGood luck
241721
tools-->\naccounts-->\nproperties-->\nadvanced-->\nleave a copy of messages on server (tick/select it)\n\nand select remove from server when deleted from deleted items.\n\nGoodluck.
755555
First get a copy of your credit report, if you've been turned turn recently its free. myfreecreditreport.com you can get one there also. Then you need to dispute all the negative items on the report and state the reason why. it could take up to 30 days but if you do it online it just takes a few days. If the negative items are wrong then they must be removed, if they are right then they stay on your report, but you can write an explaination which sometimes helps.
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.
77144
yes. you need yo contact a credit help agency like crusader or careonecreditcounseling.com they will put you on the right track. items can be removed in as little as 3days but will report in 31days.
934701
Try this.\n\nWhen you call these companies, tell them that you want IN WRITING a guarantee that they will raise your credit score and remove bad items from your credit report once the bills are paid.  \n\nAnd that they won't take any money unless these things are accomplished.\n\nYou won't find anyone who will agree to this.  Why?  Because they can't possibly promise such a thing.\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must delete it\n2) The creditor fails to respond to an investigation request from the credit bureau.\n\nNote that payment of a bill does NOT remove the item.  It only changes the status from being late or in collections, to paid.  But it still reflects late payments or collections.  It's still a negative item.\n\nThese "credit repair" companies will TRY to negotiate a payment arrangement that will TRY to remove the negative items.  But there are no guarantees.  \n\nBut it is a guarantee that these companies will demand payment for their services, whether they succeed or not.\n\nBefore you go this route, do your research.  Many of the things that these companies do, you can easily do yourself.  \n\nAlso note that many of these "credit consoler" or "credit repair" companies are a front for companies offering consolidation loans or other such services.  Be aware of what's going on!
845879
Seven years, and then you can ask for the credit bureaus to take it off your report.
1027331
Thats all a company has to report, verified or updated.  The easiest thing to do is look up the company on the BBB so you get the top guys name, number and address.  Write them a letter requesting validation.  They have by law 30 days to provide validation or they are violating the FCRA, Fair Credit Reporting Act and may be subject to penalties and fees.  This way has always worked for me, they end up removing the item to avoid any hassle.
988618
Best bet is to order a credit report. This way not only do you get information about the old credit card account you are able to get an up to date account of your entire credit history.\n\nHere is some information on how to get your credit report:\n\nQ: How do I order my free report?\n\nA: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.\n\nTo order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.\n\nYou may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.\n\nA Warning About “Imposter” Websites\nOnly one website is authorized to fill orders for the free annual credit report you are entitled to under law – annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program. In some cases, the “free” product comes with strings attached. For example, some sites sign you up for a supposedly “free” service that converts to one you have to pay for after a trial period. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.\n\nSome “imposter” sites use terms like “free report” in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these “imposter” sites direct you to other sites that try to sell you something or collect your personal information.\n\nannualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It’s probably a scam. Forward any such email to the FTC at spam@uce.gov.\n\nQ: What information do I need to provide to get my free report?\n\nA: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.\n\nQ: How long does it take to get my report after I order it?\n\nA: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.\n\nWhether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting comp
42280
You cannot.  If you believe there are incorrect items on your credit report then you have two potential choices.  The first is to dispute the items on your credit report.  It should take about 45 days for everything including the postal service to make the necessary round trip in about that amount of time.\n\nThe second is sometimes available, primarily to mortgages only.  You can request the lender directly contact the creditor who is erroneously reporting something.  There are special proceedures, if the other party will document that it is an error, to have it temporarily removed from that one institution's credit report usually to correct a FICO score.  It is important to understand, it must be an error and the other party must be willing to go to extra lengths to fix it as a favor to you.  The fix is only temporary and you will still need to dispute the item on your credit report.  The lender has to be willing to accept third party documentation and the party with the error has to be willing to go out of their way to write a letter explaining what really occured.  Since I believe this costs the lender money to get a one time correction, they have to really want you as a customer.\n\nIF IT IS NOT AN ERROR, YOU WILL CERTAINLY GET A DENIAL.  This denial will show up on your credit report as a loan applied for, but with no record of it being granted.  I have never heard of anyone doing it except for mortgages.
1149542
Get copies of your credit reports from all of the major reporting agencies.  Challenge the bankruptcy.\n\nYour lender can also "fast-track" the cleanup process and get your credit re-scored.  There is a small fee for this, typically about $50.00 per item on the credit record.  This is the fastest way to get this cleared.
1105227
I need more info before giving you any good advice.  \n\nIf someone got credit in your name, and you are claiming the debt is not yours, then there is a procedure already in place regarding ID Theft.  Go to the first link below and read up.\n\nYou first need to contact the local police department and get a report.  Then you will need to contact the creditors who are after you and inform them that the debt is not yours.  Send them a copy of the police report, plus a signed and notorized affidavid saying your ID was stolen and this is not your debt.\n\nIt's up to them to prove it's yours, not the other way around! \n\nNow, to clean up your credit, examine the Fair Credit Reporting Act, and the Fair and Accurate Credit Reporting Act.  These laws detail exactly what you must do.\n\nFollow these instructions carefully!\n\nSend a dispute letter to the Credit Reporting Agencies demanding that the listing be removed.\n\nSend a "demand to validate" letter to the creditor, and demand that they prove this is your debt.\n\nIf this does not solve the problem, you can sue them in small claims court.\n\nThis is exactly what happened to me.  Someone used my ID to get a Holleywood Video account and run up $300 in charges.  It went to collections agency and ended up on my credit report.\n\nI did the letter writing stuff, but they still wouldn't take the listing off.  So I went to small claims court.\n\nThe credit bureau settled for $200.  The collection agent decided to fight me, and it cost them $1000 plus court fees.  \n\nThe reason they get away with this stuff is because consumers don't understand the law!  \n\nContact me if you need more advice or support.