Having negative items on your credit report can significantly impact your buying power and financial freedom. Sometimes those negative details are legitimate from past mistakes, while others might be errors in your report. Regardless, when you want to remove negative items from your credit report, you have some options to pursue. We’ve outlined some of them for you here.
Dispute Negative Items With The Credit Bureau
You can submit a request to the credit bureau to remove specific items. This request can be made via mail or online after you identify the error on your credit report. Provide any proof you have regarding the error. Of course, it will be difficult to remove a negative item that wasn’t a mistake, so be sure to only submit requests for legitimate errors.
Reach Out To The Company That Reported The Error
Sometimes credit card companies, debt collectors, or even banks can make errors. If you see a company reported an error to the credit bureau, you can contact them directly. They will investigate the error and once it’s confirmed, they can reach out to all credit bureaus to remove the specific items.
Wait For Negative Items To Be Removed Naturally
Sometimes your efforts to fix bad credit won’t work how you want them to. But the good news is negative items will eventually fall off your report. In most situations, these items will naturally fall off in seven years. In the case of bankruptcy, the time limit is ten years. And many credit repair experts suggest building positive credit during this time to make the negative items less impactful. Many times the negative items don’t carry as much weight the longer they are on your credit report, especially if you continue building positive items.
Work With Credit Repair Experts
The best and most effective way to remove negative items from your credit report is to work with credit repair experts. These professionals know how to fix bad credit by identifying common negative items that are easiest to remove. They will read every line item of your credit report and ensure no stone is unturned.
Core Credit Solutions has more than 25 years of experience helping people in Los Angeles fix bad credit. Our team uses proven strategies to remove negative items and help you build positive credit. Everyone deserves some financial flexibility, but past mistakes could be preventing you from enjoying it. Don’t hesitate to contact us to learn more about our services and how we can help give your credit score a boost.