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Hello All,
I have been reading the threads for the last couple of days. I saw that members were getting useful information so I decided to give it a shot.
I have not had the best credit history and would like advise on how to correct it going forward.
I have 1 Federal tax judgment on my credit report. This has been paid off.
I have 3 more from the State of New York. Date of filing is 3/1/2006, 6/28/08 and 4/26/2010. They have all been paid.
I also have 1 account from Credigy Receivables from 2007 which has been paid off as well. It shows on Experian and Equifax as not paid. I have reached out to Credigy Receivables and expect a proof of payment to send to the credit agency.
What can I do to remove the rest of from my Credit Report? I live in New York and from reading the postings it sounds as if I could get these removed after 5 years (as long as the acct is paid). I do not have no open accounts and no credit cards. Any help or advise would be greatly appreciated.
Please let me know if you need any other info.
Welcome to the forums!
I'd suggest reading the following:
Common Abbreviations
Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.
What Steps Do I Take - great for learning the repair process.
and Example letters - PFDs, GWs, DVs, etc.
Read in here. There are many success stories in removing paid fed judgments. Might be worth trying the same process with state. For the 5-yr NY CRTP, I'm not certain PRs like liens or judgments are included in that. I think it only applies to paid collections. Worth a review.
Send a GW to Credigy.
Thanks for the response. I will definitely read up on the suggested postings.