How does the negative stuff on my credit report go away?

I have pulled a credit report and disputed everthing, and its all still on there. Most of the things are to expensive to pay off (would take YEARS). However, some things I could pay off quicker. How does the bad stuff go away without paying on it?


Can it go away this way?




How does the negative stuff on my credit report go away?
If the negative truly isn't from you, they will investigate it and if it is determined that it is an error, it will be removed.





If the debt is real and it is yours it is going to stick around. The reason that you have bad credit is that you don't handle money very well. Your quote of 'most of the things are too expensive to pay off (would take YEARS.' generates absolutely no sympathy from me if you truly owe the money.





The way to get a good credit score again is to have nothing in default and to make every payment on time for YEARS. Re-building credit is not easy. Controlling your spending to reduce debt is not easy, but many of us do it.





The bad stuff won't go away without paying or bankruptcy. Declaring bankruptcy ruins your credit for years. Not only that, but there is a means test for bankruptcy and if you have a stable income there is a really good chance that you will be put into a repayment plan.





When you signed your name to the debt, you agreed to pay it off. That is the way the system is supposed to work. The bank takes my savings and lends it to you. You agree to pay it back. The bank pays me for use of my money and they charge you for the use of the money. The difference in interest rates is where a bank's income comes from and has to pay people and build buildings.





The only way the bad items go away is if they aren't really yours.





Normally I say good luck at the end of my answers, and I only wish you luck if those negative items truly aren't yours.






Reply:It depends. If it is determined to be fraud, which will take some time to investigate, it will disappear. Although there might be residuals.





Your credit score(s) can only be offset by positive credit. The best way to do this is have a small amount of debt that is carried for a short time, but paid quickly over that time. But, it can take years for that the good credit to overwhelm the bad credit.





Not paying it will only make it worse. My roomate recently declared bankruptcy, which is basically hitting a reset switch. This may not be the best option for you though.
Reply:You either have to pay it or file bankruptcy. Your credit rating will still be poor, but as long as your bankruptcy paperwork shows that the particular items in question are included in bankruptcy you could still get loans or whatever. You will still have to explain the situation for any higher dollar loans/credit that you seek. Lenders don't like taking risks for non-payers.





Also you can find some advice here...





http://creditreport.fateback.com





Best regards.



Reply:(not recommended) try bankruptcy and wait it out for 10 years to clear out your record.....or try to consolidate ur credit
Reply:time is your only answer all will be gone in seven years (ball park) just insure before that date you do no more damage!!!