For older collections and late payments, one of the most successful ways to get an item removed from your credit report is to simply ask the original creditor or collection agency to do so. Note: Goodwill letters are meant to be personal and reflect your individual situation.

If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you.