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Question By
Chandaw513

3 Contributions
13 People Helped
Removing items from credit report.inquiry
How do I remove items that have been closed and items that are just marks

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Top Contributor
37 Contributions
941 People Helped

Do - it - yourself:

     If the items are unpaid, you can negotiate with the collection agencies for "Payment for Deletion" wherein you pay in full and they delete it from the credit bureaus. I have been successful with this. If the agent doesn not want to comply, escalate to a supervisor. They may start to play ball, as they hate escalating calls. Be prepared to pay the full amount, though, immediately for this kind of deal.  I've had good success with this.

    If the items are already paid, you can write debt verification letters yourself, at no cost. There are many sites online with templates. Sometimes the agencies are less motivated to dispute your verification, and let it drop, as they are already paid. I've had some success with this.

    Good luck.

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