No. of Recommendations: 0
I'm a new Fool trying to do my own Happy Dance with regard to my credit reports. I have no more debt and I am working now on living below my means. I had some some heavy CC debt in the past ('94 - '98 all debts paid in 2/99!)and now i am trying to get items removed from my reports.

To my knowledge, negative items MAY remain on your report for seven years. They do not HAVE to be there. Can't the orignal creditor remove negative items (like late payments) even if they are accurate but they cannot find the information or if enough time has passed (say 3-4 yrs)?

thanks for any help


Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
Live Video Event Monday!
The GP team is hosting a live video event on Monday at 4 p.m. ET. Don't worry if you can't make it — we'll have a replay and a transcript. Click for more!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.