How to remove accurate items from report?

**joshaccurate** · 03-01-2008, 02:22 AM

I have been doing a lot of reading on building credit as I am trying to do so. I have heard that you can ask for accurate items to be removed as well. I only have a few derogatory items on my credit report between the "3" agencies and each one is under $100. The items can be verified and the info is correct, dates, amounts, etc... However, I would like to get them removed. I want to have some backing against the creditors as they claim that once info is on your report it stays for 7 years no matter what! I know they are just saying that because most people don't know any better. I have one that I cleared because of incorrect balance, pretty easy actually. But I would just like to pay the debts and have them removed, I am even willing to pay more if they remove them.

Am I chasing a dream here or is there some strategy to do this?

Any FCRA laws that will back me on them being able to remove items accurate or inaccurate?

I am young and was stupid but trying to get my life back together. Any help is very much appreciated!!!

Thank You
Josh

**Erik** · 03-06-2008, 08:26 PM

One approach is to use what's called a "good will" letter sent directly to the creditor. Basically, you're asking them to "be a pal" and stop reporting the negative to the bureaus and you love them and want to be their client again and are sending any owed money to them (include the money!).

**Greg** · 03-11-2008, 04:31 PM

It is true and it has worked before! I called one and expressed exactly that over the phone. When I was 18 I grabbed onto a Heilig Meyers card to buy some Christmas gifts. Later on I decided I would be dumb and let it go. So about 9 years ago I made a call to them after I realized how dumb I was and they agreed to re-write the account, close and remove the old account, re-activate the card, and we were married until I restored my scores.

Thread: How to remove accurate items from report?

LinkBack

Thread Tools

How to remove accurate items from report?

Similar Threads

Paid collection still on my credit report. How to remove

Should I remove closed credit card accounts from my credit report

Had items deleted from credit report. Need check score to see if it goes up

Posting Permissions