5 Ways to Get Things Off Your Credit Report

Need to work on repairing your credit? Need to know how and where to start? Here’s an extremely informative and helpful list of ways to remove negative information from your credit reports.  

Negative information on your credit can be extremely frustrating. You know it’s not good, and you just want it to go away. Before you pull your hair out or spend thousands of dollars trying to repair your credit, you’ll want to understand the ways this kind of information can be removed from your reports.

First, find out exactly what you’re dealing with. You can’t fix what you don’t know about, so you need to get your credit reports (here’s how to get them for free) and your credit scores (which you can get for free at Credit.com) so you can see how these items may be affecting your credit.

If your reports do contain derogatory information, here are five ways to get it removed.

1. Wait It Out

Over time, negative information can no longer be reported. The limit is usually seven years, with some exceptions:

Collection accounts may be reported seven years plus 180 days from the date you first fell behind with the original creditor (such as your credit card issuer) leading up to when the account was placed for collection.

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