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Remove Delinquency on Credit Reports

It’s fairly easy to remove delinquency on credit reports if you know what you’re doing. I’ve done it before. You know, we all get a little behind from time to time.

The first step in the process is deciding whether or not you want to do it yourself or hire a company to handle it for you. It’s easy enough to handle on your own that hiring an outsider to remove delinquency on credit reports is probably a waste of money unless you’re really short on time.

If you decide to do it yourself, the first step in the process to remove delinquency on credit reports is ordering a copy of those reports. Make sure you get a copy from each of the major credit bureaus, Experian, TransUnion and Equifax) because the information they have may differ, and they operate separately. In other words, you have to remove delinquency on credit reports from each of them or it will still mar your credit history.

The big secret of how to remove delinquency on credit reports is that most creditors can’t be bothered to look up whether or not their information is correct. If you see any information on your credit report that is incorrect you should absolutely challenge it right away in writing.

However, you can remove delinquency on credit reports that’s legitimate sometimes just by doing the same thing. Write a letter to the company listed challenging the information and they have 90 days to respond in writing either verifying their claims of delinquency or agreeing to remove the offense from your credit report.

Reference the credit report you’re talking about. Chances are a good 65% of the companies will remove delinquency on credit reports for you whether it’s legitimate or not because their records are kept in storage off premises and it’s too much of a hassle to get them out.

Some companies will refuse to remove delinquency on credit reports because they’re more organized and have easier access to the information.

However, any blemish on your credit report that you remove will help your credit score, so it’s well worth the effort to remove delinquency on credit reports even if some of the companies don’t comply.

If you do decide to use an outside company to remove delinquency on credit reports they will use the exact same process—writing letters to your creditors on your behalf—to accomplish it. They will charge you a fee and they have no inside track for doing this—the only reason to use a contractor to remove delinquency on credit reports is lack of time.

It’s best to use a company that someone you know has used before and can vouch for—you don’t want someone to promise to remove delinquency on credit reports and then take your money and run.

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