To reach an 800 credit score, you'll need to establish and maintain a long history, so keep those old accounts open — even if you don't use them anymore and have no balance — instead
of having them removed from your credit report.
Fortunately, should you discover that the primary account holder is not managing the account to your liking, you can have yourself removed from the account — preferably by having the primary account holder contact the lender — and
have it removed from your credit report by disputing it as «not mine» with the credit bureaus.
Paying off an account doesn't entitle you to
having it removed from your credit report.
A charged off account will have a lasting effect on your credit score unless
you have it removed from your credit report.
If the statute of limitations for your judgment has expired and the person or business that filed the judgment hasn't returned to court to renew it, you can dispute the judgment and
have it removed from your credit report.
If, for instance, your credit report is showing that you were late on a credit card payment in the past but you're able to prove that you weren't, you may be able to dispute that record and
have it removed from your credit report, thereby helping to improve your credit score much quicker.
If you find any inaccurate information, report it to the credit bureau immediately to
have it removed from your credit report.
If you believe that a collection is an error, then you should dispute it and make an effort to
have it removed from your credit report.
The FCRA has come up often in media reports because advocacy groups question the accuracy of the information credit reporting agencies gather and consumers» ability to dispute that information and
have it removed from their credit report.
A store credit card was opened fraudulently in my name, and I am going through the process of disputing and
having it removed from credit reports.