How do I get negative credit expunged from my credit report?

I have paid off some of the creditor through collection agencies but I was told that it will be at least 10 years for it to be off my credit record. I hear there are some credit repair companies out there.

How do I get negative credit expunged from my credit report?

Now, for the REAL answer. I wouldn%26#039;t use a credit repair company. There%26#039;s nothing they can do that you can%26#039;t with a little time and research. Especially with the resources out there that can help you.

If you%26#039;ve already paid some of the creditors off, those items are going to stay on your report, which isn%26#039;t going to help your score as much as you think. In order to effectively raise your score when paying collections, you have to negotiate a %26quot;pay to delete%26quot;, which is a payment in exchange for removing it from the report. I posted several links that will explain this in detail

http://www.creditinfocenter.com/debt/set...

http://www.creditinfocenter.com/debt/neg...

http://www.creditinfocenter.com/debt/Can...

http://www.creditinfocenter.com/debt/Act...

http://www.creditinfocenter.com/debt/deb...

How do I get negative credit expunged from my credit report?

You want repair it. Don%26#039;t go into debt to try and fix debt it is not possible. Try to focus on a more simple life style if possible. Remember we don%26#039;t need the latest biggest and best. you could write to companies that you owe and arrange to pay so much a week but make it realistic no point in promising an amount that leaves you struggling so that you give up. All the best and hope things turn out well

How do I get negative credit expunged from my credit report?

Credit repair is bogus--they%26#039;ll take your money and do nothing for you. You can NOT have legit information deleted from your credit report. You WILL rebuild your score by paying bills on time, not having %26quot;too much%26quot; credit, etc. Potential lenders/employers/whoever that can see your report will know how to truly value this ding. Just let it go.

How do I get negative credit expunged from my credit report?

Don%26#039;t spend your money on those credit repair companies but they are a rip off

You can%26#039;t get anything off your credit unless its more than 7 yrs old or 10 if its bankruptcy

Just because you paid it off doesn%26#039;t mean that you can get it taken off the credit report.

How do I get negative credit expunged from my credit report?

You can%26#039;t erase your record - only correct erroneous information. As it ages its way off, it will carry less weight if you now demonstrate good credit management.

How do I get negative credit expunged from my credit report?

You can have negatives and other errors removed. Check out the free evaluation form at www.totaldebtsolutionsllc.com --They partner with a true non profit that provides a high quality service for just $125. My mom used them and her score jumped 60 points. Good luck.