How To Get Something Removed From Your Credit Report

Credit Report Dispute FormHow To Remove Negative Items Fast

While most issues will be removed from your credit report in seven years, (ten for bankruptcies) you may not have to wait that long if you do your due diligence. It doesn’t matter if it is a foreclosure, charge off, bill in collections or late payments, they all have the potential to be removed early.

Check for errors: Studies show that more than fifty percent of all credit reports contain errors of some kind. These errors might not be major, such as including details from someone else’s report, they may be smaller, and thus easier to miss. This means you are going to want to check the specifics of every entry and ensure it matches up with your personal records. You are going to want to check every credit limit balance, payment status, account status, open and close date and account
number and note any errors.

Once the errors are noted, you will then want to send a letter to each credit bureau outlining the mistakes and requesting that they are removed. You can use the letter outlined in the previous chapter and substitute in the errors you have found for the part about credit inquiries. The good part about this is that if the bureau can’t determine the accuracy of the information it will simply be removed.

Goodwill letter: If you can’t find any inaccuracies, or the bureau verified the ones you pointed out as correct, you can instead try sending what is know as a goodwill letter. You will send this letter to the collection agency or to the creditor and ask that they remove the negative entry based on goodwill. This will be most effective if you are looking to have charge offs, collections or late payments removed. In this letter, you will want to explain your situation to the agency in question and ask that they essentially help you out by removing the offending information. While this may seem like a long shot, it works a surprising amount of the time, especially with regards to late payments. This method is especially  effective if you are a current customer and the organization has a reason to want to hold on to your business. A sample goodwill letter is below:


(Creditor/Collection Agency Name) 
(Creditor/Collection Agency Address) 

Re: Account number provided 

To whom it may concern: 

I am writing regarding an issue I recently came across in my credit report (list specifics) that I was hoping you could help me to rectify. I understand that making payments on time is very important and that failing to do so causes issues for your company. If you look at my file you will see that I have done so a majority of the time I have been a client of your company and that my (late/missing) payment is an exception, not a rule. I missed the payment in question do to an (unavoidable emergency real or imagined, the more detail the better) and while I tried to make the payment on time I was unable to do so. 

I can guarantee that the issue won’t happen again as my (financial, physical, emotional) state has improved dramatically since (issue) and it is no longer a factor when it comes to making payments. As a courtesy, I am requesting that you make this goodwill adjustment to my record in light of 
my history of on time payments. This will allow me to improve my credit score and boost my confidence in being a (company name) customer. 

I appreciate your time 


Pay for delete: If you are dealing with charge offs or unpaid collections, the most effective way to have them removed from your account is to negotiate with the creditor directly and offer to pay a portion of what you owe in exchange for having the negative entry DELETED from your report. If you go down this path it is important that you get the agreement in writing prior to making the payment as once the payment is made you lose all of your leverage. A sample letter outlining this process can be found below.

Collection Agency/Creditor Name 
Account number: 
Amount owed: 

To whom it may concern,

I am writing to you in reference to the above account number in an  effort to settle the amount due in a way that will benefit us both. This letter should not be seen as an acknowledgement of liability to the debt in question and I shall still retain the right to request verification of the debt from your company if the terms outlined below aren’t acceptable to you. With that being said, however, I am willing to pay off (percentage of amount) of the debt as a sign of good faith based on the following 

  • Your company will put forth the effort to successfully remove all references to this issue from the (credit bureaus that list the issue). 
  • Moving forward your company will not list the debt as a settled account. 
  • The payment made will be considered payment in full of the debt in question. 
  • The debt will not be transferred or sold to a different creditor. 
  • This agreement will not be made public in any way, shape or form. 

In exchange for these written assurances I will pay (amount about fifty percent for new accounts and thirty percent for older accounts) as soon as I receive an appropriate response. This should not be taken as a promise to pay, rather it is a restricted settlement offer based solely on your agreement to the terms outlined above. Prior to making any payments I will need a written acceptance of these terms on your company letterhead that is signed by an authorized representative of your company. 

This offer will expire in 30 days, I look forward to a prompt response. 

(Typed Name) 

Secret Removal Strategies 

Not recommended for the reader — seek advice from a professional credit repair company. 
I once had 3 credit cards that were charged off and unpaid. I sent strong letters to the credit card company and they agreed to settle but not delete the accounts. 

I wanted them deleted. 

I decided to look into filing a federal lawsuit pro se. I reasoned that if I can show them how serious I was and that my basis was provable in court (Credit Billing Act violations), then they would yield to my demand. 
I did some research and discovered that I could file a claim in the nearest US court under Federal Question, since the Fair Credit acts are under the federal; jurisdiction. I typed up my own docket using previous cases as a template, mailed it to the Credit Card Company and credit 
bureaus and demanded damages of $1,000,000. 
At the time I had NO CLUE what I was doing but it worked; I was so inexperienced that instead of actually filing the claim, I simply sent it to the credit card company s legal department and the credit bureau’s dispute department but with one extra step. 
I also searched out the OWNER and the Statutory Agent of the credit card company by searching through the corporate records of the state they were headquartered in, and included their names in my self-created docket. Anyone can find this information by searching for the respective states’ Secretary of State Office, corporate division. 

In about 10 days I received a call from the Credit Card Company’s legal firm representative. He was very calm on the phone and basically said that he tried looking my docket-case up in the Clerk online for the Ohio Northern US Court District and found nothing. 
He then proceeded to state to me that he could file a suit back against my for malicious attempt, but then ended the sentence that his client wants this done and over with now, so 
they are prepared to delete all charged off credit card accounts if I agree to not sue them or follow through with the claim! 
Obviously I signed their letter stating this and in about 30 days the bureaus refreshed their data and the accounts were gone and my score INCREASED 202 Points! 
My original goal was never to go to court but merely to settle before that. 
I do not recommend you do extreme tactics like this unless you feel it really is justified and even then be sure to seek legal advice. There are a lot of details that would go into this, let alone acting pro se. 
Credit repair is very personal and unique to each person, each case is different. I was willing to do extreme measures to get what I wanted so that I could get a mortgage loan at the time and buy a house. 
Steven Millstein
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