What is the best and fastest way to clear up your credit report?

I have stuff that has been on my credit report for 8 %26amp; 9 Years how do I make them go away? ~ Yes I know how to pay my bills.

What is the best and fastest way to clear up your credit report?
There are ways to TRY to clean those things but I recommend you not. Because your bad items are so old already, they are no more than a couple of years from falling off your credit by themselves. Assuming you have re-established with other good accounts in the last nine years, those old derogatories are not really hurting you that much anyways. The "classic" way to clean these old items is to send cerified dispute or information requests to the creditors, and hope they don't respond within the allowed time. (30 days?) Some people even send multiple requests on a few consecutive days to improve their odds. With this proof, you can have the credit bureaus remove them from your credit. I don't recommend doing this. They have probably not contacted you in years and most likely transferred or charged off the debt. Your requests are sure to renew their attention! At this point - you are better to just wait.
Reply:Hello, Anybody who answers you will have a different advice. I'm not a financial expert however I'm answering your question with a very practical approach. Some of them are already there in the answers you have got.


1. Do not go fot any other credit card. Stick to one or two if possible.


2.Try to pay your bills on time but always pay at the last i.e. after you have taken your share, this will make you work more hard, you can think of options like doing some overtime and earning extra bucks.


3. Take some alternative job which will improve your financial condition.


4. Do not apply for any loan and keep a close chk on you spending habits.


5.Pay all your dues as early as possible.


6.Watch Suze Orman show on CNBC which will give lots of answers to your querrys.


7. And finally if you have some money start investing. And do smart investing short term which wil rotate your money and try to gain some financial knowledge.





This is what I have for you. I'm sure by following these steps you would be financially sound.
Reply:I can't believe these answers!!!!





kentata's is a classic case of people who don't have a clue!





First, you need to know that negative information can only be posted to your credit report for 7 years, beginning on the day of the delinquency. NOT the last transaction! NOT the charge off date. It's clearly stated in the Fair Credit Reporting Act!





So your very first chore is to get those old (8 %26amp; 9 year old) entries removed. Contact the credit reporting agency and dispute these entries, and informed them they are too "aged" to be on your report.





Then follow the rest of the advice in the link below. It goes over much of what I have been preaching for the past few months here.





If you have any questions contact me.
Reply:just pay your bills
Reply:just go too ask.com and find out.
Reply:Ten years is now the accepted time frame for reporting old credit problems. Even then, they will only be removed if they are satisfied (i.e. if you had late payments, chargeoffs - whatever ... but have since made good). If you are hoping unpaid bills will just go away, they won't. Sorry.
Reply:Time, and rebuilding as much as possible by paying current bills on time with credit in your name.
Reply:The best ways of keeping a good credit score:





1. Don't have loads of credit/store cards. Close any which you don't use. Credit cards are an instant form of borrowing. If you have loads of cards, then you could in theory borrow lots of money, and would be perceived as a credit risk. If you are a credit card "rate tart" then ensure you close your old credit card(s) when you move to a new one(s).





2. Pay your bills on time.





3. Don't make repeated applications for loans. Each time you do this, it leaves a footprint. Multiple applications infer that you keep getting rejected etc.





4. Check your credit report for anomalies. For example, if you move into a house which was previously owned by a person who got into money problems, you might need to go through a "disassociation" process to prove you are not connected with the previous owner. It sounds stupid I know.
Reply:dont buy to much stuff