Help!!!

[Pastryprincessnails]

I have 2 items on my credit report a old bank account thats not due to come off till 2020 and a old car insurance account i am able to pay them but would like them to be removed what is the best way to go about this? Thanks in advance!

[Anonymous]

I'm confused, what do you want to do, disputed them? I wouldn't remove the old bank account because your aaoa will cause your score to drop. The car insurance I believe you can pfd.

[Pastryprincessnails]

i acknowledge that they are mine but would to see if i can pay for deletion and how to go about it?

[Anonymous]

I believe you call the creditor/collector and agree to pay but only if they will delete it when done paying.

[gdale6]

Derog accounts should not be kept around for AAoA purposes, negative payment history far outweighs any AAoA benefit. Payment history is 35% of your Fico score, age of accounts is 15%. You want to approach these with a PFD offer. You say they are old if the DoFD is past 7.5 yrs then these cannot even be on your report legally anymore.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519