How can I get paid off debits off my credit report?

It will remain a part of your credit history for 7 years, I am assuming that the info was negative yet you have since paid it off. You might have made deals with the people you paid but that is too late now.

The older it gets the less impact it will have.

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RE :How can I get paid off debits off my credit report?

Is it even possible? I have numerious small ones from bills and stupid stuff in my life three years ago. (Even one from the local libarary, go figure.) It's all been paid, but lingers there on my credit report. Do they still negativly impact my credit? If so, how do I go about getting them off?

Update: They show as "paid" currently on my credit report. I just don't want them to be on there at all!

Follow 9 answers

Depends: are they old debts that went to collections and you paid. Are they debts that you simply paid off? Need to know more to give accurate answers.

Credit reports will list accounts for a period of 7 years from last date of activity. Even paid ones.

If they went to collections and you have paid then they still stay on report for seven years.

The credit bureaus keep your personal credit history for periods between 7 and 10 years:

Unpaid Tax Lien - Indefinitely

Chapter 7 Bankruptcies - 10 years from date filed.

Public Records - 7 years from the date of payment;

Closed or Inactive Accounts - 10 years from the date of last activity;

Derogatory Accounts - 7 years from the date of original delinquency;

Here is some info on disputing with the CRA's

http://www.ftc.gov/bcp/menus/consumer/credit/repor...

Download a pdf file regarding how to dispute with CRA's

Hope this is of some help.

P.S. There is no such thing as a quick and easy way!

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You need to repair your credit.

In order to improve your credit score, you need to both eliminate negative information as well as establish positive credit history.

It's easy and it takes 30 days. You simply do a dispute with each of the TRW companies. Check out the article below for step by step instructions. It says how to bring your score up as much as 200 points in 30 days without a credit agency.

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Hope this helps.

I dont think that they will be removed because you dont like them there...they are a part of your credit history. The longer that they are on there showing that they are paid, the less they effect your history....with that said, why not just make some new POSITIVE credit entries

They will have to age their way off - you can't just "delete" them. If you exhibit better credit management on newer accounts, the impact of the older stuff will gradually decline.

having it on there as pd is better than not having it in there. Having "no credit" is worse

You need to contact the creditor and have them report it to the credit bureau.