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 Exactly, where do you find an eviction, does it show on your credit report or on a seperate report?
I was told I have an eviction, but I am not sure where to look for it at. It doesn't show on my credit report....

 can i get a personal loan if even i make under $1500 a month?

 What the high interest rate that can be charge on a auto loan ?

 Do You Have To?
Iam 18 today and I want a phone plan and I have not credit do you have to have credit to have a plan with Alltel?...

 Who will join me in my boycott of Shell?
I had a Shell gas card for about 5 years and was never charged an annual fee. Then in June, I received my statement which included a $25 annual fee. The reverse side of the statement had ...

 Debt to Income vs. Auto loan?
I have a few student loans on my credit file that make my debt to income ratio at 42%, but they are deferred until September 2007. I am trying to get an auto loan and the loan officer told me that I ...

 Which is the best and cheapest way to get your credit score and report?
Suggest me the best credit score reporter depending on the uptodate info....

 Can I completely cancel a credit card I just signed up for?
I have recovering credit (which is the ''good'' rating now as far as Experian Equifax, and Transunion are concerned). I only have two credit cards and decided to go for one more. ...

 How can I know how much money I have left on my card?
i purchased so many things by using my credit card and don’t know about my account balance. How can I know how much money I have left on my card?...

 Can a collector sue for a reposessed vehicle if the repo happened in 2000 and then never contacted us again?
We're being sued for repo that happened in 2000....

 what exactly is a charge off?
i have a few outstanding credit card debts that i havent made payments on for about 3 years, i just checked my credit today and it said they were charged off, does that mean that they just wrote my ...

 How much do you spend on phone bills?
I do not only mean mob phone but land line as well.
Additional Details
pls give in GBP...

 Please help me get free of debt. Please help before I kill myself?
could you please help me find solution to be free of debt? what can I do in a daily basic to be free of 40,000 $ debt. I feel like I am trapped for the rest of my life with this debt. I have 2 kids, ...

 I am trying to clean my credit report. From what date does the 7 year period begin on credit cards?

 does nordstrom take personal checks?

 Should I pay bills sent by a scam company for products never shipped so my credit won't be affected?
I recieved a legitimate looking letter in the mail saying that I was pre-approved for an account with a company. This company deals with electronics. I ordered a computer on Dec, 12 2006, only to ...

 how do i activate my debit card?

 internet order problem,please help??
I recently ordered something on the internet and gave my card details, when i went back to check my account they have cancelled the order as they had listed the price incorrectly. Dont they have to ...

 How do i clean up my credit report??
How do i clean up my credit report. I have paid balances on it and non paid. No one has sent me any bills Im not sure what i owe out.
Is there a service a can contact to help me with this?...

 Credit info deleted off ur credit file b/c of dispute, could the collections firm still sue?
If you dispute something on your credit report and the collections agency cant verify that the account was yours or they dont respond in 30 days, it gets deleted off your credit report. When this ...

Anthony M
How do I remove derogatory accounts off my credit score after they have been settled?
I have 3 derogatory accounts on my credit score. I have settled them. They were charge offs and I settled them through a collection agency. Is there any way to remove these accounts becasue I think they are absolutely killing my credit score. Also, they have not been reported as being settled yet. I just settled them a month a go. Does anyone know how long it usually takes for the collection agency to report these settlements? Please help.

You may want to contact the credit bureau's and tell them that the accounts have been paid off. They have 30 days to investigate and get back to you. It won't be removed, but will show paid. Only time will remove it completely. Negative information can stay on your report for up to 7 years, as I recall, unless it is a bankruptcy. In any case, once the collections show as paid, it should dramatically improve your credit score.

You can't take them off. I think they stay on for 7 years, and from personal experience, I can tell you it is very difficult to even get the accounts corrected so that they show they have been paid. For instance, you say they were charged off and settled through a collection agency. The company that sold the debt doesn't have to put anything on your credit report saying so, so it will look like you owe them that money for the next 7 years. Doesn't seem fair, but it's true. Also, if you made a deal with the collection agency to make a lump sum payment that was lower than the total amount due, they can leave it so that the amount you didn't pay (and they agreed you didn't have to) will show as owed and overdue for the next 7 years. Sorry to tell you, but you are screwed. For anyone else reading this, protect your credit rating-- it can make a HUGE difference in your life, from where you live to even whether you can get a certain job, sometimes. Be smart and don't live beyond your means!!! (In my case, it was an unexpected illness, but that doesn't matter to anyone. I got behind, and that's that.) For what it's worth, I have friends who got in similar trouble, and rather than stick it out and eventually pay everything off, as I did, they declared bankruptcy and avoided all the debt they had run up (without any illness, I might add- they just spent more than they made). Their credit scores are now 100 points higher than mine. Go figure. I think the new bankruptcy laws make it harder to file, though. Good Luck!!

Yes, dipute them.

You may have to do it over and over and over but with persistance you will prevail.

Studley is correct, you should always attempt to get something in writing stating that they will remove the item if you settle it, honestly; it is rare for that to happen.

Now that you have settled these debts, it is likely that if you keep disputing them, eventually, they will stop reverify them and they will fall off.....

This company does a great job and they are a member of the BBB with no complaints: http://www.expert-credit-advice.com/credit_repair_service.htm

You can do this yourself for no more then the cost of postage and there is a free kit on their website if you want to give it a whirl!

You are going to have to get with the companies that actually put that info on your report . They can assist in taking it off. Good Luck and God Bless

You have just stumbled into the trap that I have tried warning people about for months now!

There are only two ways to get a negative item removed from your credit history.

1) The creditor must remove it
2) The creditor fails to respond to a credit bureau investigation request.

Once you have paid the creditor, you are going to find it extremely difficult to get them to cooperate in fixing your credit.

That is why I warn people who are going to pay off old debts...make the creditor agree IN WRITING to delete the entry once the bill has been paid off. Don't pay them a dime unless they agree to do it.

Now you are broke, and you still have bad credit. Is that fair?

All you can do now is start the dispute process. Note that even though you paid off this debt, the creditor is only REQUIRED to show that the debt has been paid off, but it will still show reports of late payments, charge offs and collections. It will still be a negative report.

But it at least should show the bill is paid. Failure of the credit to update your credit history is a violation of the Fair Credit Reporting Act. If they don't update the listing, you can sue them for $1000 in small claims court.

Send a dispute letter to both the credit bureau and the creditor. But note that it sometimes takes a couple of months for these updates to show up on your report, so you need to be patient.

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