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How can you get bad credit off your report ? |
I had issues with opening an account my ex-fiance said he would pay. I was young and stupid and he ended up gone and not paying the account. I had no idea since the bills went to his address in another city. I found out when collections called me asking why I wasn't paying. Now, its seriously affecting me and I was wondering how much longer it will be there? Or is there a way to have it removed since the aforementioned party was responsible for the payments? Dear Young and Wiser, If the account's in your name and he was authorized to use it, you can't get it off your credit report for 7 years. You do have the right to give a 100-word written explanation to the credit bureaus explaining why you have the debt, and they in turn have to provide a copy of your letter to everyone they give your credit report to. It doesn't erase the bad report but it might mitigate it a bit. Source(s): http://www.ftc.gov/bcp/conline/pubs/cred... Sorry-if its accurate it stays. The only information that can be removed is information that is not accurate. If the account information is accurate, you are stuck with it for 7-years from the date of first delinquency. Unless you have something in writing stateing that you are not responsible for this debt, you owe it. Finance Manager for over 7-years. Well the best thing to do is just pay it. Trust me they don't care what problems your having they just want there money. I lost my job and it took me awhile to find another one and I told my bills that I lost my job and I had credit protection on them but that did not help. They said I have to have proof that I lost my job and fill out alot of forms then they said they cant help me because i did not have the account long enough so they screw me with that. I now have a higher paying job now and just have to pay them mouth by mouth. They only way to remove your bad credit is by paying them on time each mouth. If your name is on the account it is your responsibility to pay. Your ex screw your credit report. The best thing is to just pay. Sorry if it's in your name you are responsible. In the us it will be on your credit report for 7 years. In texas creditors can only sue for up to 4 years. It's your choice if you pay itor not.It will affectyour credit and you will get annoying calls from creditors .If it's a small amount I would say pay it. (under 500). If it's larger you can take your x to court and try to get it out of him. Most liekly you will win if you have proof that it's his debt in your name. |
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