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 | From LaToya Irby, your Guide to Credit / Debt Management Ordinarily, negative information stays on your credit report for seven years or ten years if it's bankruptcy. There are some techniques to get items off your credit report sooner. | |
Dispute With the Credit Bureau
The credit bureau has to remove inaccurate and unverifiable items from your credit report. They have to correct incomplete information. Learn how you can craft your own credit bureau dispute.
| Dispute With the Credit Card Issuer
In the past, you could only dispute errors with the credit bureau. Now, you can also dispute with the credit card issuer or whichever business put the data on your credit report.
| Offer a Pay for Delete
Pay for delete is a sightly more difficult strategy because you need to talk to the right people in the company for it to work. Paying your account in full may be incentive to get the creditor or other business to do you a favor.
| Ask for Goodwill
A goodwill letter simply asks a creditor to have mercy and remove a paid account from your credit report. Like a pay for delete, you need to get your goodwill letter in the right hands, e.g. a manager or supervisor.
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