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Cubangirl2

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How do I remove the deliquent marks from my reports? These are closed and paid by negation .
Each item listed has a length of time it is to be listed. All accounts are paid, and listed as less than full amount with a zero balance. How can I get these negative marks removed before the time span posted? They vary from 4 to 6 years.

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Is the information inaccurate?

Helpful to 1 out of 2 people

Unless the information is inaccurate, you can't expect it to be removed before the scheduled time.  Unfortunately, if you don't negotiate with these lenders beforehand as to how this is reported to the credit bureaus, you've lost any leverage you might have had.

Make the best of your situation by beginning to rebuild your credit history now.  You should be able to get a secured card immediately.  Also, open up an account at a credit union (make sure they offer credit cards, but you won't apply for one now).  Within about a year from now, you may be able to get a couple of retailer cards.  Also, do one of those "share loans", where your account deposit is used as collateral.  Seems ridiculous, but these are supposed to help with building your credit.

A year later, after you've paid back your share loan, apply to your credit union and you just might have a decent chance of getting a Visa or Mastercard.

Good luck!

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