Erase In Legal South Carolina Fair Debt Collections Forms For Free

Ask for Goodwill Deletions If you have an otherwise blemish-free credit history, go ahead and ask the collection agency for a goodwill deletion. Removal after payment might be against their rules?but goodwill deletions might not be, and it never hurts to ask.

Send a dispute The FCRA allows consumers to dispute credit report errors and fraud. So, if you check your credit report and discover a collection account that shouldn't be there, you can send a dispute to Equifax, TransUnion, or Experian and ask them to remove it.

If you already paid the debt: Ask for a goodwill deletion Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage. There's no guarantee your request will be accepted, but there's no harm in asking.

File a dispute with the credit reporting agency. If you find an error ? or a negative entry that you don't believe should be on your credit history ? the simplest way to remove it is to file a dispute with whichever credit reporting agency is listing the entry on your report.

Highlights: Most negative information generally stays on credit reports for 7 years. Bankruptcy stays on your Equifax credit report for 7 to 10 years, depending on the bankruptcy type. Closed accounts paid as agreed stay on your Equifax credit report for up to 10 years.

To ask for pay for delete, you'll need to send a letter to the creditor or debt collection agency. A pay for delete letter should include: Your name and address. The creditor's or collection agency's name and address.