Which Credit Report Is Best
2010
How to fix my credit report?
Ive recently pulled my credit report, which isnt all that great, but I have one company on there twice for the same thing…..is a company able to report you twice for the samething? Also I talked to a friend and she told be that no matter what a credtor will stay on your report for 7 years, but Ive heard if you paid them off then you can request that they are removed from your credit report…do you know which is true? I really want to try and fix my credit Im only 22 and its not the best but I want to do what I can now so when I want to buy a house I dont have little things stopping me. Any suggestion on how to go about that?
You can pay the company you owe but that doesnt take it off your credit report
Also I dont want to go to a agency that “fixes” your credit because Ive heard that they are pretty much scams and dont work
Greetings!
The account that you saw listed twice was probably the original account and the account after it was sent to collections. The original creditor is allowed to report your status with them and so is the collections agency.
You’re friend is correct. Information stays on your report for seven years. If you have a collection and you pay it, it will still say on your report until the seven years are up. The status of it may change to “paid collection” or “settled for less than the amount owed”, but it will remain.
Basically, to repair your report, you must tackle the negative information first. Start with your smallest collection and pay it or negotiate a payoff or payment arrangement. Keep working your way up until you are at the biggest debt. Make sure you request a letter or receipt of sorts that show that your accounts are settled and paid. You might have to send a copy of them to the credit bureaus as proof.
I hope that helps. Good luck!
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