Remove delete and clean collections or Judgment from my credit report

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 Can a collections be removed from my credit report? Yes sometimes it can.
How do you remove a collection from my credit report?

A collections can sometimes be removed from my credit report if I negotiate before I pay
 Hospital bills:
 Easiest collections to get removed as they often contain errors with insurance or billing. Hospitals are not in the credit business and only want to be paid for the work they do. So if I have a hospital collection, then I call and negotiate to have the account removed because, the insurance didn't pay, I didn't get the bill, it is my fathers account, it was the wrong amount and now I am willing to make the problem go away even if I have to pay. I am trying to buy a house and this is the only thing holding back. I never even knew I owed money to you guys. Please help me if I pay.

 Phone, Cell Phone, Water, Gas, Electric, Cable bills:
Are some of the hardest to remove from your credit. Utilities have only themselves to blame if they keep turning the water on for some one they could not collect on. So they all mostly give you about 3 months to respond and then usually will even set up a repayment plan after that time if I cannot pay in full. These utilities go the extra mile in collections and need some reliable way of making informed decisions about who they should approve. They almost never negotiate. Pay them off in full if possible and get the account to show zero balance and paid in full.

Credit cards, Finance Company loans, Bank loans:
 If a person can reopen one of these accounts after they pay it off in full, then they can usually get anything older than 24 months removed from the report. Sometimes after only 1 year of new good credit on your account a creditor will go back and report only the last positive year or years. All you have to do is call them and ask. But first pay the account and reopen new good credit with them to show you are trying to be a  responsible credit worthy person.

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I HAVE 10 COLLECTIONS PAID DOWN TO 0 BALANCE. I DID NOT NEGOTIATE WITH THESE DEBTS. MY TOTAL DEBT IS ONLY 5000 DOLLARS. BUT MY CREDIT SCORE IS ONLY 599. HOW CAN I GET THESE COLLECTIONS OFF MY RECORD. THANK YOU
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 I should have negotiated before I paid collection. I am still a better person. I can say I paid all my bad credit and bills and want to open new good credit and become a responsible credit worthy person.
I can dispute the paid collection accounts as not mine and some creditors might not respond or might have gone out of business.
These paid collections probably will not come off and I cannot negotiate after I have paid unless I re open a past bad account and pay good for 2 years then call and beg.
If I get new good credit, these paid collections will not hurt my credit score much in the future and my score should increase to 650 at least in the next year with no new bad credit.

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How do I remove a Judgment from my credit report? Can not be done.

 Judgments are different than than most bad credit. They are matters of the law.
 Once a judgment is found and marked into the books of the courts it is like written in stone. Judgments have to be paid as the court ordered AND they put a judgment on my credit report.
 A Judgment is rendered after every available means of collection has been tried and I have not satisfied my obligation like a reasonable man. A judgment can be rendered without my knowledge or participation if I move or become hard to contact. Judgments must have the valid signatures and collection attempts explained on written verified documents. Once a judgment is rendered the documents all go into a permanent file in that courts' records.

How do I remove a lien from my credit report? Just pay or satisfy the debt?
 Liens will not be removed as soon as I pay in almost all cases.
 If someone work on my house and I don't pay they can put a lien on my house so if I sell it they can get there money. Because these are legal claims and they have been recorded in court documents, a property lien can be placed on my credit report.
 Almost every tax or property lien will be remain on my credit report and the date of last activity will be recorded once you have paid the account in full.
 

Can I have a tax lien removed and how long will they stay on my report?

•  Matters of law or IRS records can stay on my record for 10 years.
•  Some Criminal records will stay on my credit for the rest of my life.
•  I pay my bills and I keep up with my credit files.

I have two items in collections. I have had people tell me not to pay them off because it wont help my credit. They are already 3 years old and they said that by paying them it will only make it worse because they will turn into a current delinquency. I am trying to raise my credit score and since three years ago when I got in this mess I have closed credit card accounts, paid off loans, and gotten the remaining balances down… the only thing left to do is to decided whether or not to pay the collection accounts. Do you think I should?? And will it help my credit score?? If so how soon will I see the results?? And how much will it help??
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Negotiate before you pay, to have it removed, if you pay in full.
If not pay it anyway, but ask to no activity date change only a paid in full.
It always helps in the long run to pay off stuff.
keep new good credit open.

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