How to remove bad debt from your credit report after 7 years?

4 Comments

1. dieterzakas says:

   May 1, 2009 at 3:09 pm

   You need to get copies of your credit reports from the three bureaus (Experian, Transunions and Equifax, via) and look them over, Then, you need to advise them of the erroneous items and request that they be removed. The Fair Credit Reporting Act (FCRA), et seq., allows for this.
2. arj007 says:

   May 3, 2009 at 8:22 pm

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3. Dr Jon says:

   May 5, 2009 at 9:50 pm

   Hi Luke, I’m assuming you have credit reports because you know that you have the debt. If the debt is fraudulent or a mistake, the best approach is to call the creditor and have them send a release to the credit agency. Otherwise, you will need to contact the credit bureau yourself (maybe all three). The best way to do this is by phone. IF the debt is real, is it big? Either way, you could call the creditor and see what kind of position they have on a 10 year old debt. Remember, everything in life is negotiable. If this proves fruitless, contact the credit bureau and ask them to verify the “black mark” (you file a dispute). More than likely there will be no continuing record of it, and it will be dropped. When you contact any of the credit bureaus, talk to them by phone! I’ve found they are much more reasonable than when you contact them online. I’m almost positive that one of these approaches will work. Feel free to post more information if you need more help.
4. Jim Q says:

   May 8, 2009 at 6:51 am

   Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.undonet.com