How to Remove Negative Items from your Credit Report

How to Remove Negative Items from your Credit Report - credit innovation group

A credit report is a detailed statement of an individual’s credit information. Companies report to credit bureaus and build a report with that information. This means that if you consistently pay a bill off on time, it shows as a positive item on your report, which adds to your credit score. But, if you are late on payments or ignore bills your credit score will go down. With all this reporting to credit bureaus, it is possible to have negative items and mistakes put on your report. It is important to make sure your credit report is accurate because a bad credit score can mess up everything. Having bad credit will stop you from getting a house/apartment, a credit card, a car, a job, and more. Luckily, you can get these items removed.our text here...

Disputing Incorrect Items

Disputing is the best way to get incorrect items off of your Credit Report. Disputing is when you reach out to one of the three major credit bureaus (Equifax, Experian, TransUnion) and ask them to correct information on your report. You can dispute things on their websites or write a letter and send it by mail.

Goodwill request for Deletion

Goodwill request for deletion is a more approachable and gentle version of a dispute letter to the creditor. When writing one of these letters you should admit that you were late but say that you are a reliable client and that you won’t make a mistake again. This strategy is more effective than disputing if you do not have a lot of negative items on your report and if you have been a great client for a while.

Goodwill request for deletion is a more approachable and gentle version of a dispute letter to the creditor.

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Send a pay for Deletion

If a goodwill request for deletion did not work out, pay for deletion is more likely to get a creditors attention. Offering to pay to get a collection or judgment off of your credit report is not the same as paying the debt. Payment for deletion letter lets a creditor know you are willing to pay off a debt that they say you owe. You’re asking for a contract saying they will remove the negative item from your credit report.

2 comments

  • I went from a 620 credit score to a 810 in a matter of Weeks. Hey people, if you plan on buying a house, a car, or even getting approved for a credit card or loan. You having nothing to lose. Having a great credit score will get you the best deal and interest rate on everything

  • The Quickest way to remove collections from your credit history is to appeal directly to the collections agency or appeal through credit repair agents that find a way to get it off your credit report. CIG helped me clear out negative items and collections from my report in less than two weeks and my score went to 720 from 650 by the next month.

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