Getting Old Negative Reports Deleted.

[moi]

Hello,

I have currently have 2 accounts that were ever 60 days late or worse and 3 collections. All of this happened in 2004 and 2005 when I was a college kid being stupid. All of the deliquencies were taken care of in late 2005 or early 2006.

How can I get these records off my report? Could you please help me with that? Any sample letters?

Thank you so much,

Moi

[guiness56]

Since they are paid, the only option you have is sending goodwill letters to whoever is reporting on your CR.  You can search on the forums for a sample.