| Considering applying for a mortgage or car loan? | | | | don't have to wait 7 years before applying for credit |
| Worried you might have some black marks on your | | | | again on a home or car. |
| credit report? Don't get worked up just yet, you can | | | | Repossessions can be a tough item to have deleted |
| delete items from your credit report, you just need | | | | from your credit report. How ever if you have one |
| to know which items to start with. These three | | | | listed it is almost a must. Removing a repo could very |
| items listed are important ones to start with, while | | | | well require the help of a credit repair professional. |
| not the only items to dispute they are a good place | | | | 3.Late Payments: While probably not always |
| to start. | | | | considered to be an important item actually account |
| 1.Charge Offs: This is probably a term not everyone | | | | for up to 35% of your over all credit score. One late |
| is familiar with. A charge off is a piece of debt that | | | | payment can normally be forgiven by the creditor, |
| has been written off as un-collectible. How ever the | | | | just call them and request nicely that they remove |
| debt is still legally valid, and paying that old charge-off | | | | the item from your credit report. State the reasoning |
| won't delete the item from your credit report. | | | | for an issue with the mail, or possibly your online |
| You should aim for having paid charge offs removed | | | | banking provide. |
| from your credit report. When you're trying to delete | | | | Multiple late payments is a big problem. When you |
| items from your credit report charges offs should be | | | | want to delete items from your credit report late |
| a first that you attack. | | | | payments definitely need to be part of your plan. If |
| 2.Repossessions: Another big negative that is | | | | you've been consistently late you're likely going to |
| supposed to stay on your credit report for 7 years | | | | need the help of a credit repair lawyer or other |
| are repossessions. A negative mark like this will have | | | | specialist to dispute and successfully remove them. |
| a major effect on your credit score. How ever you | | | | |