Credit Score

[Megan Keller]

How can I get derogatory remarks removed?

[Anonymous_ · Accepted solution]

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@Megan Keller  wrote:

How can I get derogatory remarks removed?

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Are the remarks invalid? Have you checked your credit reports (free from the site below).

https://www.annualcreditreport.com/index.action

You might also try contacting the creditor(s) directly. Also, you can file a dispute, if necessary and warranted.

https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports

[Opus 17]

Accurate derogatory information remains on your credit report for 7 years and there is no legitimate way to remove it, no matter what a "credit repair" company might advertise.

You can correct inaccurate information by contacting the lender(s) and the 3 credit bureaus and filing appeals.

If you get all 3 full credit reports from www.annualcreditreport.com, they will include contact information and other details about how to dispute or appeal a negative item.