I am trying to pay off debits and have them remove

I am trying to pay off debits and have them removed from my credit report so that I can establish some new credit in my name. What is the best way to go about doing this? I have pulled my credit reports from all three agencies and there are a few items that I would like to dispute as they are medical bills that were covered in a settlement from an accident I had back in 2007. Is this something that I should contact my attorney about or handle myself? Another issue I saw were two student loans of which one has been paid in full and the other has been rehabilitated and they are still showing as negatives. How should I go about correcting this?

2 Answers

It is best to handle the issue yourself. The attorneys charge a fee for their services. There is no point in paying the fee when you can handle the matter yourself.


Usually negative items remain on your credit report for 7 years from the date of your first default. So it’s quite difficult to remove that item from your credit report before that time period. You should try to pay-off your all dues and add positive information on your credit report to rebuild your credit. You will have to make sure that your account status is updated properly.


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