Who do I talk to about removing negative items from my credit report once they have been paid?

I'm starting to work on fixing my credit. I would to know to whom I speak after paying off a debt that was on my credit report to have it removed. Would I communicate with the credit bureau of the report or the original creditor?

Who do I talk to about removing negative items from my credit report once they have been paid?
You really need to learn how to repair your credit. There are many great sites on line that teach you for free.





You won't be able to learn it all on Yahoo Answers. It's very vital that you do it the right way so that you don't damage your credit further.
Reply:You need more than "the who." You need "the how." You are on the right track with credit repair but need the correct letters in order to be successful. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.
Reply:It doesn't have to be removed for seven years. You should contact the credit bureau; your report will reflect that the balance is zero once its paid, but its unlikely that they will remove it if its not old.
Reply:While the posters who have answered have the right idea, however this is the problem that you'll run into. Usually the collection agency waits every 6 months or so to purge any debts from their active system. Once this is done, then the debt they had on record will either be deleted or archived. What you would want to do is dipute with all 3 credit bureaus and do a debt verification. Any or all information on the debt can be disputed. When the credit bureaus investigates, either the creditor will report back with the updated information, or not report at all being that it's too cost-effective to obtain the information once it's archived. This strategy may or may not work, because the collector's policy on data management may vary.
Reply:do both most likely you are going to have to write a letter to all three credit bureau. showing that you had paid them off. after you do so they will send you a letter back telling you that they are going to fix it. It does take a really long time befor they get back to you on it
Reply:I would do both. A lot of times creditors are too lazy to take it off. If you tell the credit agencies that it has been paid, they are obliged to investigate and remove it if they find in your favor. It may take them a few months, though.