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?
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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.