Remove Collections and Judgments from my credit report

 Can I remove a collection or judgment from my credit report? All incorrect or older than 10 years Judgment can be removed. Any non validated old or incorrect collections can be removed
  • The very first thing to do is dispute and all errors on your credit report
  • The next thing is to validate any and all collections to make sure the collection agencies have the legal authority to report and collect the bad debt in question
  • Then pay in full or settle
  • If you can catch the collection early, then you might have a chance for total removal of the collection account on all 3 of your credit reports.
  • If the original account and or collection has been there a while and the creditor can't remove the account, then settle for 50 cents or less on the dollar.
  • It is very important to have all 3 of your credit reports so you can have all the details like, Date Of Last Activity DOLA, Date Of last Delinquency DLOD, Balances, account numbers and who is on the account.
  • Liens are removed by payment in full only. They can stay on your credit report indefinitely. So pay off and negotiate any and all Liens as quickly as possible.
Get all 3 free credit scores and all 3 credit reports here
I can't find all 3 scores and reports for free anywhere but here. I would not offer this if I hadn't used it myself and believed in the offer. 1 merged score is not what banks see. Potential creditors get all 3 scores and all 3 reports. We should too.

 If all my collections are paid will it help my credit score? YES IT WILL.
  • If you were to pay off all your collections, then your credit score could jump 100 points or more. Sometimes your score will drop immediately because the DOLA has been updated
  • This occurs with accounts that are 2 years or more old. Any account that is as new as 2 years back from today, will not hurt your score much at first, but will raise you score tremendously over a 4 month to 2 year period
  • IF you have 3 open and reported to credit bureaus credit cards or car loans or home loans.
  • Should you pay off old judgments? Of course you should. They do not re-date judgments and any unpaid judgments shows up as 100% debt to credit limit ratio and thus hurts your credit score rating.
  • Will I be able to purchase a home with a judgment on my credit? Not a normal or conventional loan Unless the judgment is very old and paid off.
  • How do you prove a judgment was paid on my credit report? You dispute the judgment with the free credit dispute form a paid in full and as agreed

Tags: Delete bad credit MYSELF. removing things from credit report, how much will my credit score go up if a judgment was deleted, how to erase things from your credit report. how can I get medical collection removed if I paid hospital directly. is there a way to get accounts deleted from my credit report

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Get all 3 free credit scores and all 3 credit reports here



Can I remove a collection or judgment from my credit report? All incorrect or older than 10 years Judgment can be removed. Any non validated old or incorrect collections can be removed


I'm Bo Majors and I will answer your questions free, fast and confidential. majors@oskie.com

Get all 3 free credit scores and all 3 credit reports here
I can't find all 3 scores and reports for free anywhere but here. I would not offer this if I hadn't used it myself and believed in the offer. 1 merged score is not what banks see. Potential creditors get all 3 scores and all 3 reports. We should too.

You must have 3 - 6 lines of good credit to improve bad credit. Paying off collections, rent, cell phones and medical bills do not build a good credit report or score.

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