Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
wifex30

0 Contributions
0 People Helped
Paying off bad debt , will it increase my score
Am I correct, in order to remove debt from my score, I need to contact the agency and request a pay for deletion on my account ? if so will that increase my score, also is there any way to remove a garnishment - I did try to negotiate, but they did not agree, (it still got paid at the rate I requested), but now is a black mark ?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1132 Contributions
1210 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

Yes, try to negotiate with your debtors to see if they will act out in good faith and remove the negative charge from your file once it is paid in full. Keep in mind they do not have to do so by law. Same thing with a wage garnishment: they had to obtain a court order to do so. (That means they paid extra money in order to collect this debt from you and are probably ticked off with you). 9 times out of 10 they will not remove the garnishment as it is a public record.... Good luck....

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.