How can you suppress an account from your credit report?

How can you prevent a negative/positive account from showing on your credit report for an extended period of time.

How can you suppress an account from your credit report?
If it's accurate negative information,it stays for seven years....While you can't suppress the into, you do have the right to request validation of the item and per the Fair Credit Reporting Act they are supposed to change the status of the item to something like "under dispute" until the item is validated (or removed). Here's how to request validation:





Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) or remove them from your credit file.





Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion %26amp; Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:





Per the Fair Credit Reporting Act, I am requesting written validation of this item.
Reply:You cant... its there for a minimum of 7 years..... You can improve your credit score by concentrating on other accounts you have balances on...
Reply:You can't - the account will be reported for 7 years from last date of activity. The only way you can get it taken off is to dispute it and win the dispute.
Reply:pay it off! the only way to keep something negative off your credit report is to not default on it. sorry besides that they report to your credit.
Reply:what you described in your additional details is exactly how "credit repair" agencies repair your credit. they send dispute letters to creditors to make them verify the debt. if they don't respond in a set amount of time, the item is removed. it will only return in a few months though. you could do the same thing yourself with microsoft word and some postage. you would be far better off just paying ontime and keeping your balances low...as there are no guarantees that the above will work consistently or at all. creditors are getting much more wise to this method.