how long it will take them to be removed from my credit

I love your site! In 1 month my lowest score has come up from 455 to 508 (which is still bad but better). Anyhow, I sent some letters to get items removed if I paid them off etc. I got them back signed and so i am going to pay them off but I am wondering how long it will take them to be removed from my credit report? I need to get to 560 in in the next month or so...I opened a credit card but it is not yet reported on my credit either. Is there any way to push this through....the payments...and removal from my report? Thanks!
----------------------------
takes 30 days from recipt #10 on 12 steps to credit help
no matter the answer, you can dispute them if you have the signed letters and a copy of your bank statment showing the check was cashed. You would just dispute the acount first with no documents and prompt the bureau to call thise creditors. They should all say it was a mistake or just not respond within 30 days and the accounts should come right off your credit report and raise your credit score. If any of these are less than 24 months old, your score could jump WHOPPER. If at first you don"t succeed use the documents you have and get it all removed.
So
i am saying 33 days max. 10 if your lucky or someone is efficient.65 days if stuff happens
--------------------------
Oh cool....its everything from under 2 years RPTD that is on my report! I cant wait!
--------------------------
then you should get a big fico jumper

Do they have 30 days to respond or remove clean delete the bad credit

Bo after the company receives your letter they have 30 days from the date of receiving the letter to validate. If they do not what should I do next.
-------------------------
what company
what letter

if you dispute with a major credit reporting bureau the bureau sends the dispute to the account holder who then has 30 days to respond.

if you are using debt validation you send the letter to the account holder and they have 30 days
-----------------------------
If it an account validate to collections company. If they do not respond in 30 days what is the next step?
--------------------------
send the debt follow up letter
make sure you send the letters certified delivery

if they do not respond, then use the dispute form

if nothing seems to work call your state attorney general or file an online compliant about illegal use of your credit report.

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response

What do i do if I sent a letter to a creditor (certified return receipt) and I get no response. How long do I wait and what is my next step?
-------------------
you can only get certified delivery to bureaus
i am not sure what you asked for or paid for
certified delivery to the mail PO box should be paid for
PO boxs can only be that way. no body can sign
----------------
I didn't make myself clear at all with my last email. I must have been half asleep. What I am wondering after I sent my letter to the creditors how long do they have to respond. If they don t respond at all what is my next step?
---------------
30 days
dispute my credit report
-----------------------
Can you except an email agreement from a credit agency ?
--------------------
no
usps mail.
certified delivery

call
then mail
mail then call

Citibank card shows 30 60 90 days late in 04. need 700 credit score

Hello, Love you blog. Today's credit system can make anyone feel helpless and I appreciate the information you provide. I need some advice: I had and Associates Citibank card which I opened in Oct of 1998. I had a 30 days late in April '03, 60 and 90 days late in Dec 03/Jan 04. I paid the account in full, but the credit card was closed by the grantor. On my freecreditreport.com report it shows the late dates and states that the creditor closed the account, but shows little green OKAY boxes until 2005. (I honestly, don't know when the creditor closed the account - I just quit using the card) My husband and I are trying to get a house this year and my score is between 668-685 depending on agency. I do not have any other late payments and my credit history since then has been spot on. (Threeaccounts open, good balance to credit line ratio)Is there anything that I can do to get my score up? (Would love to break the 700 mark) Can I get the past due accounts removed from my record? Thanks for your help!
------------------------
sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.
-------------------------------

Fix my credit 8 credit card charge offs and 120 days late on car lease

I am 23, and am in need of some desperate help to fix my credit. I am 23 and am getting married and I have a credit score of 530. My fiance is an immigrant and has no credit at all, so we have been focusing on fixing mine. I had several collections on my credit as well as like 8 credit cards and a car loan for a lease. The car loan is up in May and was 30 days late 9 times. All of my charge cards have been paid off in full except one that has an 1100 dollar balance and was 120 days late, however I am now caught up. U just opened a secured credit card with a limit of 200 dollars I have had it for almost 6 months and have never been late. I dont realy know what to do I have been working really hard to pay all of this off and my score isnt moving, I cant afford to pay someone to help me, so I was looking on the internet and found your site. If you could give me some advice or tell me what I need to do I would appreciate it
----------------------
i would try to open 2 of those old charge cards.
after 12 - 18 and 24 months ask them to report only that past 24 months of your credit on that account since that is normal revolving credit practice.
many times all the old late will be gone and you will have 2 new good rated lines of credit.

something goes for your husband. he is gonna have to get some credit so you can use his income for furture credit needs. get him to try here. of course he will need a social security number and if he is an immigrant he may not have one. he needs some credit and can have a great score in less than 13 months if he can get one of these cards that report to a bureau

everything else should be getting to the 24 months or older point which will helpyor score
IF
you have good new open never late lines of credit that are 12 months old
--------------------------
Will charge cards typically let you reopen them, and what cards would yousuggest trying to reopen because I only had like one major credit card whichwas a capital one card the others were store cards like jcpenney and kohls Iwas told that instant credit through stores can hurt your credit in the longrun.
--------------------
sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.

30 60 90 days late. How bad will it affect my credit report.

30 days late on my credit report within the past 6 months can reduce my credit score up to 40 points. If I get a 60 days late or a 90 days late or multiples of any of these my score car drop 100 points in a matter of days. The good side is after 24 months of no lates my score can go all the way back up to where it was when I had no lates.

Denied credit for a 30 days late on my credit report.

your web page about bad credit. I was 30 days late (1st time on 4 year car loan) and when I noticed by the next month I paid both months at once. I called the finance company to see if they could remove it from my credit report and they put my on hold for a few minutes. They came back and said that they could not because it was a law that automatically kicks past 30 day accounts out to the creditors. Sounded like bologna to me but was wondering what to do to get this removed. I could pay off car in full if this would help remove it. My husband's business had been denied credit I feel due to this problem. What do you think and can you help me? Any info would be appreciated.
-----------------
in 24 months the lates will not affect your credit.
sounds like you have done all you can do as far as removing it
i know you can go back after 24 months and ask because many credit cards and lenders only report the past 24 months activity.
sometimes crditors will allow one months grace per year. you might ask for that. one months grace.

one thing would be to pay it off and make sure the account would not hurt you in two years

Fallen behind on my car payments. How do I help my credit

I have fallen behind in my car payment. I will be caught up at the end of January. What can I do to improve this? I want to by a house and been working on my credit for two years now. I feel like I have fallen behind.
----------------------------
talk to the car loan company and ask for help
you may or may not get any help
i sort of doubt it
the best cure is to not be late again for 2 years

Remove 30 days late on my car loan payment

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time.
-------------------
car loans and home loans are the hardest thins to get off your report AFTER they have happened
if you catch them while they are happening, or right after, then many times the installment loan company will make a change.
if you have recipts or bank statements contadicting the entries the company has to take the 30 day late marks off.

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full

collection credit card paid in full every month. car home loan

a 2nd year resident who will be going for my citizenship this summer and of course am working on my credit. I am originally canadian and worked in the usvi and had a cell phone through sprint. When i got transferred back to canada and they didn't provide the cell phone service there it was agreed that they would keep my deposit and close my account. Well you can guess what happened they kept my money and did not close my account. So almost 5 years later and now back in the usa upon purchasing a vehicle I learned this was on my account still. I contacted sprint and they assured me that this was no fault of mine that the account hadn't been closed and it even stated this in their notes they even gave me copies of the notes left in their system that states that I owe nothing. So 2 collection agencies later from being sold from one to the other I called them and shared that information with them, they weren't interested and stated I had to pay or it would remain on, i even disputed it through credit inform twice and they stated that it was to still be paid with a balance of $224 I told them my concern of paying this again and it not being removed they told me they would post this as satisfied on my credit if I paid it again and stated that the letter would come at the end of paying it and they couldn't agree to having it removed from my account. I didn't get a good feeling from the conversation and this being my first time going through collections on my credit I am worried, I am uncertain what to do at this point and don't want to pay again if I am going to get screwed. I also have plans on purchasing a house as well now in texas and need to get my score up. I have had my limit on my credit card increased from $300-$2750 in less than 18 months due to paying my full limit off every month. Do you have any ideas to get my score up as high as possible by summer so I can purchase a home. Each report shows anywhere from 568-613 at this point everything has always been paid in full before due is it because i haven't had credit for a full two years yet or is it due to the balance on my car loan.

Please help me with this collections issue as well as increasing my score.
----------------------------
use debt validation and pay
negotiate before you pay if possible
ask for paid as agreed and paid in full


pay off anything past due or owed
30 days late, collections
on my credit report
ask for help
reopen credit past bad credit card collection charge off accounts

after 24 months ask for updated to "past 24 months only"

How do I get 30 day late payments on my car loan off my credit report

Is there a way to get rid of the 30 day late payments on my credit report? I was reviewing my credit report like you said and I do not think I was as late on my car payments as the car company is saying. I even printed out my payment history with them and it is not clearly evident that I was late nor on time. Do you have any suggestions?
---------------------
car loans and home loans are the hardest thinsg to get off my credit report AFTER.
While im in active, 30 days, 60 days, 90 days late after, most installment loan company will make a change.
if i have recipts or bank statements contradicting my credit report

it sounds like you have already tried this and it did not work.
so i doubt very seriously that you will be able to get these removed.
the best thing to do about this it to get it all 2 years or more behind you and keep good rated, reported credit going.
if you keep good credit open, when 2 years pass the 30 day late marks will have little or no effect on your credit rating

credit is real and sometimes it is best to learn and go on.
you can dispute these items with a free dispute, but ou have already called them directly. So the chance of anything different happening is very slim

on other suggestion would be to pay the loan off as quick as possible.
the quicker you can start the date of last activity on that account the quicker the account will be gone off your report.
as it stands your report will continue to show you were 30 days late for seven years after you pay off the account in full.

Mortgage 30 days late remove and credit card balance reported too high.

My mortgage company was quick to report following a 30 day late last April. However, they have not reported since June 2007. If they did, would that help my credit score. Should I contact them and ask them to report? Also, my credit card balance has not been reported since July 2007, and the balance has been substantially lower for months now.
--------------------
yes you should ask them to report

and It would have been better IF, I called them on the 30 days late thing, right then, then maybe they might have taken it off, or allowed 1 extra payment this year, or any number of things as long as I don't just let them hang? You know how that feels. If they let you hang you get nervous, but if they call and let you know, you feel better and have something to work with.
i doubt these efforts will increase my score more than 10-15 points,
if any
but it is something that needs needs to be done asap and it could help my credit history score as much as 30 points if the credit card balance was over 80% and now it is less than 80% debt to high credit ratio.
there is no chance of helping if you do not call them.
Verify any phone agreement with something on compnay letterhead.

remove 30 days late on a mortgage loan

I had a few mortgage payments go 30 days late back in April of 2005. I have recently paid off this loan in july of 2007 and was wondering if there is any way to remove these late payments from my credit report or do I have to wait until 2012 for these to be removed?
--------------------
no there is not
yes you do
the effect is almost nil after 2 years pass and you have new good open credit