New. All paid off. How to remove?

Anonymous · ‎09-28-2012

Hi I'm new here and I just finished paying off all of my debt last week. I have some negative accounts on my credit reports all paid off that I want removed, my oldest is 6.6 years. Can I have them removed since they are all paid off? I don't feel that they need to be lingering on my report since they all have their money. I've called lexington law but don't want to pay for what I can do myself. Any advice would be appreciated. If there is a topic about this already please provide the link. Thanks in advance.

XxRaVeNxX · ‎09-28-2012

First mistake, was paying them to begin with...now you have no leverage...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012

Shogun · ‎09-28-2012

Hello, and welcome to the forums.

First off let me congratulate you on paying off all your debts. First off, as mentioned above, there were some ways of getting some things off by doing PFDs. But putting that behind us, you will need to educate yourself in the use of GW letters.

Below you will find a link to what I'm talking about. Read up on them, form your gameplan. Ask questions here. That's why we're here, to help you. Good Luck!

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Anonymous · ‎09-28-2012

@XxRaVeNxX I was thinking about that but I didn't know as I was just doing that over the last few years as I owed them plus I was a foreign student not versed in the credit laws. I thought that paying them off would be good enough. Oh well I'll still try and see what I can do. Thanks for responding.

Thanks @shogun.