Is it legal to remove items from your credit report?

I am getting a credit card but I want to remove something from credit report. Is it legal to remove items from your credit report?

Is it legal to remove items from your credit report?
Well, if it were even possible. You cant just take something out of your credit report.
Reply:you personally can't remove anything from your credit report. If there is something negative on your report that you want removed you need to contact the company that it's with and resolve the issue with them and try to get them to change it to reflect the positive resolution. otherwise you are stuck with it for years.
Reply:yes
Reply:It is legal to try. Sometimes it will work to appeal it but sometimes it doesn't. Keep appealing over and over and eventually some things go away but it takes time, even when the credit bureau or those who report to it make mistakes. It is hard to remove anything. Strangely enough it is harder to erase a mistake than it is to erase something that really wasn't a mistake but was negative. I'll take it anyway for all the times the mistake was theirs.





Keep trying. It doesn't hurt to keep asking. Sometimes it pays to hire a credit attorney. I did and in just one month, my credit rating rose more than 40 points on all three reporting agencies! Sometimes its worth it.
Reply:Can you??
Reply:I work for a finance company and we get consumer disputes all the time. The only way you can have something removed from your credit report is if you have it disputed from the company you want to have it removed from.


Like the debt was not yours, or you believe that it is fraudulent. Once you contact the 3 major credit bureaus they will then contact the company and they have so many days to fill out the form and if they don't comply within that time frame by law they have to permanently remove it from your credit report.


After so many years inactive things on your credit report fall off. Hope this helps a little bit.
Reply:let the rest of us know how to remove an item, because as far as I know you can't just remove it or even get it removed just on request alone ... they want proof from the company thats made the claim ... looking forward to the how you can do it part.
Reply:Yes in fact you can dispute items in question or attach an explanation. After 7 years all bad items {other than bankruptcy} fall off. Make sure you remove the item from all 3. You can not have correct information removed, however most places if you challenge the report will not have time or energy to research it and it falls off anyway. By law any disputed item must be removed if it can not be verified within 30 days. Be aware however the credit reporting agencies are vicious about their "information" and will not make it easy on you at all. remember their livelihood is based on information and they get paid big bucks to provide it, you are nothing to them!
Reply:Honey, if you "got it like that" and can or KNOWS someone who can do that-MORE POWER TO YA, BABY! GO FOR IT!! (...But "NO" it's NOT legal..)
Reply:If it's there in error than no.





Otherwise it's there for a reason and you will need to provide proof of re payment before anyone removes anything.