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pnutt60

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How do you get things off of your credit that are NOT from the original creditor?
all 8 things listed are medical debt, mostly from 2011

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If these are from a collection agency, they will remain until paid or until the time passes for them to fall off the credit report.  You could read the articles on this site and learn how, to negotiate a 'pay for delete' agreement which will remove these items.

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Krissie72

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I scrolled through all 38 pages of articles on this site and read quite a few of them, including all the ones that pertained to collections. Nowhere did I see anything from Credit Karma about "pay for delete" agreements. Probably because this is not a legitimate business practice for collection agencies. The agreements they have with the bureaus forbids this, so that's why 90% of collection agencies won't do it.
You can't remove derogatory items from your credit report unless they are inaccurate.

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If it's not from the original creditor then it's probably a collection agency. If it really is your debt (and you're not a victim of identity theft), then there is no way to remove it. It must age and fall off, 7.5 years from the date it became 30 days late with the original creditor.

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