Negative items on your credit report are there to haunt you for seven years, constantly letting you know of all your screw-ups when it comes to your financial history. We know that you being punished for things like this are a bit unfortunate and can weigh heavily on you when you are ready to make a bigger financial commitment. At times, negative items on your credit report may not be your fault, yet you are still penalized for this. None the less, it is your responsibility to ensure that you are ahead of everyone else and up to date with your credit report so you won’t have to face this type of inconvenience.

I know that we said negative items can stay on your account for about seven years, but that isn’t the case for most. So here’s a list of the types of negative credit items how long to stay on your credit report.

There are many ways you can remove negative items off your credit report, and by removing them you’ll eventually be left with a better credit score.  And of course, everybody wants a better credit score, then you’ll be able to make those financial commitments you’re hoping for. Buying that new car, getting that new home, or even that loan to pay off your school fees. All of this can be achieved with just a few tweaks on your credit report I will show you how.

I know that we said negative items can stay on your account for about seven years, but that isn’t the case for most. So here’s a list of the types of negative credit items how long to stay on your credit report.

Credit Dispute Letter. By law, you have the right to an accurate credit report and due to this, you’re able to dispute anything with the credit bureau. Start the process you have to order a credit report, and then you can either email or send it by mail Start the dispute. You should review every single intricate detail, and make sure that everything is accurate. If you find any discrepancies pull out some proof compile a case and send it off.  Once the investigation starts, if there’s no accurate proof behind the credit error it’ll be removed. That’s a great thing.

I know that we said negative items can stay on your account for about seven years, but that isn’t the case for most. So here’s a list of the types of negative credit items how long to stay on your credit report.

Write to the Company/Creditor. So if the credit dispute letter did not work, and it’s proven that what you’re looking to dispute has been accurate your next step would be to just write the company or the Creditor. What you can do what you can write them a general letter asking them if they can remove that negative entry on the account. Usually, this consists of you explaining your current situation and what you’re looking to achieve, we’ve actually seen positive results happen more often than not especially if you’re currently using that business for services.

Negotiation. We say negotiation, but a lot of people may refer to it as a “Pay for delete”. Basically what you’d be doing is notifying the company that you’re willing to pay off any of the outstanding balances you owe in exchange for them to remove the negative credit entry off your credit report. Although you have to take correct action towards this, simply because if you do it incorrectly you may be left with paying off a negative balance to the company but your credit report may still reflect a negative entry. So what you should do is never do this over the phone, have an interface meeting with somebody Authority from the company so that you can have it all arranged. Especially do it in writing.

 

Credit Repair Services. The last option we recommend, if you’re somebody who doesn’t like to get their hands dirty feels like they shouldn’t be dealing with these big companies for disputes. One thing you could do is hire a credit repair company, and they’ll be able to dispute any negative entries off your credit report and you don’t have to worry. If you’re looking to have some credit repair services done, only call us and we can help you out. We have many local agents all over who are ready to help you fix your credit score today.

 

Just Wait. I know you may not want to hear this, but if all else fails the best thing you could do is just wait it out. It doesn’t require any effort on your part and even paying a credit repair company to help you. The thing is good item stays on your credit report, or bad items get removed. We recommend that you stay up-to-date with negative items on your account and when they should be dropping off. Then just make sure after the drop off date it is not reflected on your credit report.

Having negative items on your credit report can really affect you heavily. At times it may not be fair and you’ve tried your best to make sure that you do everything in your power to ensure that these negative items are off your account, sometimes it may not be the case. So the above options are listed there for you to take to ensure that you legally take off any negative items off your credit report so that way you’re left in the positive standing.

I know that we said negative items can stay on your account for about seven years, but that isn’t the case for most. So here’s a list of the types of negative credit items how long to stay on your credit report.