I Have Paid Debt I Want Removed From My Credit Report. – Sara
Dec. 16, 2009
Sara wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.
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“Dear Steve,
I had 5 outsanding debts, that I never paid any payments on from 2004 I took out a small loan, and paid them all off in 2006(which I have paid on time to this day). Now that all five accounts are closed, How do I get them to take it off my report? Do I have to wait the 7 years and will it be a clean slate from there? Thank you for your time.
How do I get paid/closed debt accounts off my credit report?
Sara”
Steve’s Answer:
Dear Sara,
You don’t get to have them legally removed from your credit report. They will be reported for seven years and then will remain on your credit report file but simply not displayed anymore.
Items on your credit report are supposed to be true and factual. That includes the good stuff and well as the bad stuff.
I understand what you want to do but it is a bit like asking for a college transcript with everything below a B removed. It just is what it is.
Big hug.
Source: I Have Paid Debt I Want Removed From My Credit Report. – Sara
Originally posted 2009-05-06 12:20:07.
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Tags: clean my credit file, credit file, credit report, credit score, credit-repair, remove accounts, remove items from my credit report, remove paid items

Dear Steve,
My husben and i paid off all of are negitive debts and paid down the things that were not negitive to try and improve are credit score and it really has not changed.I have also desputed all the things that have been paid off but not updated on my credit, what can i do?
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Steve Rhode Reply:
June 9th, 2009 at 3:03 pm
Michelle,
The best course of action is to get the answer straight from the credit bureaus themselves. Order a copy of your consolidated credit report with the credit score option. It will tell you exactly why your score is what it is and the specific action you can take to improve it. The link to the consolidated credit report is the same one I use.
Steve
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How long do creditors have to show that you have paid off an account in full (zero balance)on your credit rport? Also, if you are paying down a balance (but have not paid it in full) how often do creditors have to update the balance due on your credit report legally?
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