Credit Question
I have a derogatory mark on my credit history that is nearing the 7 year mark. What can I do to get it off? Also, has anyone used or heard good or bad things about credit repair services?
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get an Equifax account and dispute it - they include detailed instructions on how to dispute. That'll get them to work in correcting it.
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I'd steer clear of credit repair services. A buddy of mine shelled out a couple of grand to one of those services years ago and they did nothing to his credit report.
If it's close to seven years, just be patient and it will disappear at the seven year mark. |
It may be like $30 per month - I don't remember.
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If you can't pay even a negotiated lower rate the mark should drop off soon. Are you trying to get a mortgage, car loan, card? |
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