Need help with credit report

[moneysaver]

How long the bureaus keep the bad mark on the credit report? For 7years? How can i fix my report? And what happens if i still had debt on it, will it automatically go off in 7 years?

[master01]

The basic strategy to repairing your credit is as follows:

1. Get and review your credit report.
2. Analyze your report.
3. Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report that you dispute, explain why you dispute the information,
4. Write a dispute letter bureaus.
5. Send the letter to the credit bureaus. Make sure you send it registered or certified mail.
6. Document your efforts.Record when you sent your letters, and the results.
7. Wait for the bureaus to investigate your claims.
8. Analyze the results.

[hustler]

Ya you are right,if you have still debit on it then it automatically go for your period 7 years.but it can effects your report.

[Shawpiro]

You need to challenge every negative on your report whether you owe it or not. Just because its there or you owe it doesnt mean it has to stay on your report period. You can challenge the negatives and legally get them removed in a short period of time. You can do this your self or use a professional to get it done for you and watch your score improve immensely. Read the skinney on the credit bureaus that I wrote. Get you a credit repair company and get your bureau cleaned up in 30-90 days. Its that simple.

[Shawpiro]

Section 611 of the Fair Credit Reporting Act states thet you have te right to challenge anything on your credit report and if it cant be documented by the bureau it has to come off in 30 days. Get a professional to get it done properly and fast.