CR Cleanup Advice

[Anonymous]

I have spent a great deal of time paying off old debts, and with the exception of SL's am now debt free. My inquiry is I still have 10 negative accounts on my CR due to late payments (none in the last 3.3 years), charge off that are paid in full, and 2 collection agency accounts that are paid in full. Can I request these be removed? Any other advice for raising my score?

Thanks

[llecs]

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.

and What Steps Do I Take - great for learning the repair process.

Congrats on the debt paydown.

Send GWs to the CAs and ask for removal. Tread carefully with any OC accounts. Removing OC accounts older than your AAoA, even if CO'd, can lower your score. If older, send a GW asking for the specific removal of any derog info.

[Anonymous]

Thank you. I appreciate the help.