How to remove negative items on your credit report
A lot of people have bad marks on their credit report, so it’s not something you should be freaking about. But it isn’t you should be glad about as well. Everyone wishes to have a good credit score with a clean report. There is a lot of information out there regarding negative marks on your report. Truth is, you cannot remove them with just a snap or by just paying off your debts. But there are quicker ways. They will eventually be removed from your report through time and if your credit score improves.
So here are a few basics on what you should to cover up those black marks and improve your credit score.
1. Get a copy of your credit report. You have one free credit report every year from your credit agency. This will help you track your history and activities. Try to do this every four months. Checking your credit report will let you know about errors or if there is anything else to dispute about. You’ll be able to act more quickly about it.
2. Dispute anything that needs to be fixed. There are instances when creditors don’t respond at all. This could possibly mean that the CRA might have removed something. Reporting a dispute is worth a shot.
3. Put a personal statement on your report. It should be brief but at the same time it should be concise. What others ask for is for the negative marks to be turned into positive items. Include in your statements the reasons why you disputing, for example: no late payments were made. Once you’ve seen the negative marks on your report. Check and ask for a reduced settlement along with a PFD (Pay to delete)
4. Credit agencies offer ways to rehabilitate. They do this by making a successful amount of returning checks in a row. Another simple and easy way to turn negatives into positives.
Even if making late payments are sometimes inevitable, you should try preventing it from hitting your credit report. There may be ways to get it removed, but wouldn’t it be less of a trouble if you did not have them on the first place? Just remember to pay your bills on time and to not miss out on one. You’ll be benefiting more from a clean report and it takes work to keep it that way. Just maintain it and all your efforts will eventually pay off.
Get credit check regularly and maintain a good credit score for a happy financial life. Keep a track on your credit report & score with credit monitoring and a regular check.
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