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Removing derog's

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Lvlover26
Valued Member

Removing derog's

Can someone give me advice on what worked for you and how to go about getting rid of some derog account marks in my credit report. They are from 2010 and I am not sure what to do.
EQ: 494 (6/30/15) TU: 500 (6/30/15) EX:528 (6/27/15)
EQ: 535 (9/1/15) TU: 552 (9/1/15) EX: 546 (9/1/15)
Message 1 of 5
4 REPLIES 4
RobertEG
Legendary Contributor

Re: Removing derog's

The first tool is usually dangling money in their face if the debt is still unpaid.  Pay for deletion (PFD).

Are the debt still unpaid?

Message 2 of 5
Lvlover26
Valued Member

Re: Removing derog's

No most have already been paid. They just still show as a derogatory account.
EQ: 494 (6/30/15) TU: 500 (6/30/15) EX:528 (6/27/15)
EQ: 535 (9/1/15) TU: 552 (9/1/15) EX: 546 (9/1/15)
Message 3 of 5
Anonymous
Not applicable

Re: Removing derog's


@Lvlover26 wrote:
No most have already been paid. They just still show as a derogatory account.

I would send GW letters,, having a paid account gives you a little more leverage than un-paid collections. You may need to write more than one GW letter to the same creditor, sometimes they initially say no but if you GW again they often remove derogs, best of luck!

Message 4 of 5
gdale6
Moderator Emeritus
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