How To Remove Negative Credit Report Entries

Luckily, it is possible to remove something from your credit report before 7 years. In fact, it’s smart to remove negative items from your credit report if you’re trying to clean up your credit for a mortgage or car loan.

Or perhaps the negative entries are just bothering you!

Whether you’re dealing with late payments, collections, charge offs, or foreclosures, these effective techniques will clean up your credit report rather quickly.

How Do I Get Something Taken Off My Credit Report?

Here are 4 effective ways to get something removed from your credit report:

Start With a Credit Dispute Letter

Before you try anything else, you should first make sure the negative entry on your credit report doesn’t have any inaccuracies. Studies have shown that most people’s credit reports contain errors.

The trick here is to look for any errors whatsoever on each negative entry. Just because the entry itself is accurate doesn’t mean the details about the entry on your credit report don’t contain errors.

In fact, you’ll find out that it most likely does.

The first step is to get a copy of your credit report and closely look over each entry and check each detail against your records.

You should check the following things:

  • Account number
  • Balance
  • Date opened
  • Account status (e.g., Closed)
  • Payment status (e.g., Collection)
  • High Balance
  • Credit Limit
  • Anything else that appears to be inaccurate

Every time you find an error, note what is inaccurate along with the accurate value. Then you can proceed with a credit dispute letter. You’ll want to write a detailed dispute letter that outlines everything you have found. You will send this letter to the credit agencies asking them to correct the inaccuracies or remove the entry.

The best part is that many times they can’t verify each detail about the entry, so it’s removed.

Write A Goodwill Letter

If disputing the negative entry doesn’t work (that is, either there weren’t any errors or the credit agencies verified them as accurate), your next step should be writing the creditor or collection agency asking them to remove the negative entry out of goodwill.

This is most effective when you’re trying to remove late payments, paid collections, or paid charge offs.

A goodwill letter is really easy to write and you can use my goodwill letter template as a starting point. You will basically explain your situation to the creditor or collection agency.

While this may seem like a long shot, you’d be surprised how often it works. This is especially true if you’re a current customer because they want to keep your business.

Negotiate “Pay For Delete”

If you have any unpaid collections or charge offs, the best way to get them removed is to negotiate with the creditor or collection agency and offer to pay the unpaid debt if they agree to delete the negative entry from your credit report.

This is very effective as long as you get everything in writing. Therefore, never do this over the phone.

Have a Professional Remove the Negative Entry

If you’re the type of person who would rather have a professional handle it and just be done dealing with it all on your own, I suggest you check out a company called Lexington Law Credit Repair.

We have heard that they have helped a lot of our readers, and honestly, they usually get stuff removed a lot quicker. Check out their website here.

Clean Up Your Credit Report

Check out the following articles for each type of negative entry that you might like removed from your credit report.


  1. Avatar Drew September 30, 2014
  2. Avatar Leah October 10, 2014
    • Ryan Greeley Ryan Greeley November 4, 2014
      • Avatar Corey November 9, 2015
  3. Avatar Heidi December 11, 2014
    • Ryan Greeley Ryan Greeley December 12, 2014
    • Avatar Crystal January 11, 2017
  4. Avatar Tyler January 1, 2015
    • Ryan Greeley Ryan Greeley January 2, 2015
    • Avatar tonya September 28, 2017
  5. Avatar Patrick January 18, 2015
    • Ryan Greeley Ryan Greeley January 21, 2015
  6. Avatar Sami February 13, 2015
    • Ryan Greeley Ryan Greeley March 6, 2015
  7. Avatar Lisa Rogolino February 27, 2015
    • Ryan Greeley Ryan Greeley March 6, 2015
  8. Avatar Amika April 3, 2015
    • Ryan Greeley Ryan Greeley April 6, 2015
  9. Avatar crystal May 29, 2015
    • Ryan Greeley Ryan Greeley July 12, 2015
      • Avatar Tia June 28, 2016
  10. Avatar Breeanna king June 1, 2015
  11. Avatar Aaron August 4, 2015
    • Ryan Greeley Ryan Greeley November 1, 2015
  12. Avatar RICH August 13, 2015
    • Ryan Greeley Ryan Greeley November 1, 2015
  13. Avatar Lee September 15, 2015
    • Ryan Greeley Ryan Greeley November 1, 2015
  14. Avatar Michael January 3, 2016
  15. Avatar Kayla February 13, 2016
  16. Avatar david gallant February 19, 2016
  17. Avatar Chad April 1, 2016
  18. Avatar Josue M April 5, 2016
  19. Avatar Sharon April 6, 2016
  20. Avatar Hollee June 23, 2016
  21. Avatar Clyde September 13, 2016
  22. Avatar Jane January 20, 2017
  23. Avatar Hellan Moore May 16, 2017
  24. Avatar Lisa July 8, 2017
  25. Avatar Sabrina July 31, 2017
  26. Avatar Mike August 7, 2017
  27. Avatar Lillie August 13, 2017
  28. Avatar Stephanie August 24, 2017
  29. Avatar Amanda August 26, 2017
  30. Avatar Naomi August 30, 2017
    • Ryan Greeley Ryan Greeley August 30, 2017
  31. Avatar Britani September 22, 2017
  32. Avatar Jenn September 26, 2017
  33. Avatar Corinna Crandall September 26, 2017
  34. Avatar Cheri m. October 4, 2017
  35. Avatar Jaime October 15, 2017
  36. Avatar Raquel October 26, 2017
  37. Avatar Tyler Lucas October 30, 2017
  38. Avatar Heath Tucker November 24, 2017
  39. Pingback: Importance Of Creditworthiness – Cihs Fm December 10, 2017
  40. Avatar Lucas Purlia February 2, 2018
  41. Avatar Mignon Simpson February 4, 2018
    • Avatar kristen rothschild March 27, 2018
  42. Avatar Stephanie Nelson February 6, 2018
    • Avatar Sher Newsome March 22, 2018
  43. Avatar mark j provencher February 7, 2018
  44. Avatar Delilah Church February 21, 2018
    • Avatar Jess Vaughn May 1, 2018
  45. Avatar Ny-Yoni A May 26, 2018
  46. Avatar Ashley July 18, 2018
  47. Avatar Teej August 11, 2018
  48. Avatar Dorothy M Butler September 25, 2018
  49. Avatar Yulanda Mills September 30, 2018
  50. Avatar Kara Leslie November 13, 2018
  51. Avatar Susan November 29, 2018

Leave a Reply

Read more:
How to Remove Capital One Collections From Your Credit Report

In order to remove a Capital One collections on your credit report, you first need to know who currently owns...