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Question By
scgirl37

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What should I do to get negative remarks removed?
How can I get the negative remarks removed on accounts that have been closed or charged off? I take responsibility for the debt due to 3 surgeries in two years, would they be understanding of this and possibly remove the remarks made?

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Not likely.

Your best bet would be to add a "Personal statement" to your credit report.  You can do this on the Credit Reporting agencies websites.  only takes a couple of minutes to do and lets you explain what happened. 

Getting any creditor to remove derogs is near on impossible. They have no incentive to do so.  The derogs will stay on your report for 7 years. Even the charge offs will still be on your report for 7 years.  As time goes by, if you are making your payments on time, they will have less effect on your score, but they will still be there.

Good Luck

Reply by
debbie038

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How do you add a personal statement to your credit report?

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