Trying to remove delinquent accounts from my credit report

I was recently trying to remove past 30 day 60 day 90 days late on my credit report and ran into one account that I could not pay. I could not figure out who had the account so I tried calling the initial company (AT & T) and could no teven get a human to talk to me in all of the united states. Finally I found out who had the account and called them and was told that the original company took the account back. After getting contact info for the original company I contacted them and was told that they did not have my account and that it was probably sent to another creditor. After contacting the 2nd creditor I was told that they had no account for me. After contacting the original company and the original creditor that they sent my account to neither one would claim they were currently in possession of the account and neither one would take my money. I was willing to pay the full amount right then and there over the phone but no one would take my money. I don't feel it is ethical to just brush me off and am tempted to report them both to the Better Business Bureau but I am worried it may complicate things further. Have you ever run across this situation? I would appreciate any advice you can give. I am sorry to email you directly but I am not "Blog" savey and could not figure out how to contact you through your blog. I thank you in advance for your time and consideration in this matter.
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you hit a gold mine and do not realize it
if you cant find it
neither can a bureau

so

dispute it

Sent letters of payments with request to have lates removed

I have sent in letters and proof of payments with requests to have the items removed once the account is satisfied. One, they didn’t remove it and two, my score didn’t go up an inch. I’m so frustrated I want to cry. Any advice?
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accounts will show up as paid once you pay them
not removed, UNLESS you get lucky when you negotiate before you pay the account off in full.
which it sounds like you have yet to do. So pay the accounts off and get new good credit and in 2 years you will be happy.
bad credit is not a quick fix unless everything is totally an error by a creditor or a bureau.
Sounds like you have had past 30 60 90 days late, in the past 24 months.

i do not have all your information.
so this answer is limited in scope
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I have contacted several of my creditors and paid the account off in full…requesting at that time to have the item removed. They said they would do so and it is still on there and they received their money.

Also, I had a summary judgment that was satisfied…being that it was $8000 and I didn’t have to pay anything (landlord filed it when he found out I was suing him for his garage door falling on my head and injuring my back), I thought that it would make a difference in my score once I notified the CRA’s but no change. I know that this is going to take along time…how do they say “if I knew than what I know now” I would have been much better at this, but I got stuff and lost my job…and couldn’t keep up anymore.
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usually creditors will only remove that you are late NOW
not in the past.
UNLESS you get something in writing saying theyt will do so.

get new good credit and get satan behind thee

a judgment rendered is a whole nother matter
if you had a judgment renderd
then
you found to be at fault by a court of law.

that just takes time to get off your report.

2 years and things will be much better
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Thanks.

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.
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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.
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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

College discover card and master card maxed out. Remove fix clean delete late payments raise credit score

In college i was given a discover and Mastercard that i maxed out and eventually had serveral late payments. After graduating I was able to pay off both of the cards. During college i closed both of the cards, thinking that it would help me. In 2006 my credit report showed that both cards were paid in full. I thought that i needed to establish good credit by getting a new credit card. The only company that approved me was capital one. I have been paying all of my bills ontime, but my credit still lingers around 640. What should i do to increase my credit. Currently i have a balance on my capital one card. Also, is there anything that i could do to have the late payments removed from my credit report -i.e. discover and mastercard? Should i open the discover card account - which is my oldest account - and have my balance transfered from capital one? Please help! Also, I have amortgage and two other credit cards open which are in good standing. My goal is to hopefully have a minimum credit score of 750 in the near future
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if you had late payments and paid something off before negotiating you cannot help your report.
Unless
I re open one of those same accounts, pay good 1 year, then ask for removal of old lates.

get 3 open rated accounts with no past lates, drop balances on credit limits to less than 80% of maximum.

shoot for 700-720

4 Hospital Bills in collections. Remove from my report.

I have 4 hospital bills that are currently in collections and are hurting my credit alot. I wanted to know what would be better to call them up and negotiate or just let them fall off of my report? dont know much about how long it takes so i wouldn't know what would be my best option. These are in collections as of right now, and i wanted to know how can i get them removed? they are all from the same collection agencymy credit scores are 600 662 619 first one is
$230 opened in 12/2002, last reported in 3/10/03
second one is $160 opened in 07/2001, last reported in 1/30/02
third one is $135 opened in 07/2001, last reported in 1/30/02
fourth one is $285 opened in 07/2001, last reported in 1/30/02
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If i had the money I would pay them all, but, negotiate before I paid. This is a matter of responsible credit honor.
If they cannot remove the collections completely I would probably still pay.

If you have three open lines of good credit you are closer to these falling offf than to hurting your scores

I word of note
Some creditors deny credit if there are any unpaid collections on a report.

How do I delete a late payment from my report that is paid in full?

How would I be able to delete late payment from accounts that are already paid in full and close. Also I have a collection account from a medical bill which is already paid in full. it went to collection because I never received any bill for it since it was sent to an address I never reside at.
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You cant to number 1
The most asked question in credit help to 2.
Thats life.
Negotiate and pay no matter what happened and get it as far behind you as quickly as you can.
If you already paid then you are better off because you have a paid in full account rahter than a maxed out account.
Read this

Bad Debt Collections on my credit report have been paid in full.

I am having some difficulty submitting two disputes with Experian as I have already disputed these items w/ them in the past. When I attempt to submit another dispute the website prevents me from doing so saying the items have already been verified. How do I proceed w/ another dispute? One of the items was removed several years ago and has since reappeared. Thanks again.
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Use the free mail form on my site not the website. I will say that they frown on continued dispute of the same order. Send in documents to support your cause or call the company reporting it and negotiate.
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The two bad debt collections on my credit report have already been paid in full and have 0 balances. What should I do about getting these removed?
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Open up the same account and 1 year later ask them to remove it or go on with your life and get new good credit

I have five late payments on my record from a closed account with Bank of the West. I have sent two letters trying to get the business to have them removed and not punish me for the full seven years. The Lexington Law firm advertises their ability to get them removed.
Can you give me any direction or advise about getting the five late payments removed on this paid in full account.
Thank you in advance for you help.
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majors@oskie.com / I need credit help / show details / Jul 6
Sounds to me like you have done all you can with the letters.
Might ask for a manager.
Lex law can probably do no more.
Focus on new rated credit lines.