How do I get a bad rating off my Credit Report?

I was irresponsible when I was young, I allowed two credit cards go to collections, I was able to pay it off 3 years ago in full. Now it's biting me in the rear. (no big suprise there) i've been told by several people whats the point if you can't get off your credit report. Is there any way to get if off?

How do I get a bad rating off my Credit Report?
Negative items will remain on your record for 7 years from the date of the negative item. So in the case of the "Charge-Off" of your accounts that will be 7 years from the date of last delinquency, not from the date you paid it off. For example if you went delinquent in 2001 and paid it off in 2003, it will be removed in 2008.





You won't be able to get the original creditor "charge-off" off of your report until the 7 years has passed. However, if there is still the collection account on there you might be able to get it off. To do this send a dispute to the credit reporting agency(TransUnion, Experian, Equifax), requesting verification of the debt. There is a good(but not guaranteed) chance that the collection agency will not verify the debt. If they do not verify the debt it will be removed.
Reply:You can only wait the full seven year time period for it to fall off on its own due to age. Assuming this history of yours is valid, there's no way to change it. That's what a credit history is all about.





It's your past history of how you did (or did not) handle your financial responsibility.
Reply:try disputing with the credit reporting agency.
Reply:Contact the credit reporting agency and make sure that it shows paid in full.
Reply:If you have paid the collections in full, it will say on your report paid in full. As far as it not being on the report completely, after 7 yrs it will be removed.





Since you paid it i wouldnt worry about it. When you have reports checked by lenders they will see that debt has been paid. If a lender ask you about it just explain what happen while you were young. It happens to alot of us.