Need help removing an item from my credit report

Repairing my credit. Need advice on how to remove old items and inquiries off the report. And is there a way to remove old mortgage companies that were paid off and have negative lates reported.

So the thing to do is to call the credit card company and tell them, " Look, I owe several people money and am only able to pay one, that is going to be the one who works best with me. I can give you $1500 of the $10,000 to settle the debt if you show it as paid and not charged off or settled and remove any and all negative reports in the past and resulting from this deal. Would that work some of the time, a majority of the time, or not at all?

Can a status of a credit card show...paid as agreed and "written off"?
I have been trying to clean up my report for a couple of year now. I had 12 and now only have 3....although one of the 12 was paid off....Chase shows up as a new account using an account that was paid off. I duisputed it and was told by experien that it is a legit account. I have proff that it is paid but yet they will do nothing about it.

if i filed for chapter 13 bankruptcy in 10/2008, the individual accts on my credit report included in my bankruptcy be removed??

I have recently applied for a home shopping catologue and was refused due to adverse credit that was on my file. Due to this i have requested my credit file from both experian and equifax to see what this default was connected with. When i viewed my reports i found that the default was connected to the same creditor. However this agreement was taken out by an ex-partner in my name and without my knowledge. The account was settled in 2006 but still remains on my file- apparently for another 3 years. What would be the best way to address this problem and is there any way of getting it removed from my report. Any advise would be appreciated

recieved my credit report and there is very old outdated info in my report would like to remove it and improve y score.

Hello,
Currently my husband and I owe approximately $80,000 in debt. My husband works part time and I work full time. We have been paying most of the credit cards on time except Citibank and Chase. One of the accounts was referred to a third party agency. The original balance is $9200 and are negotiating to $4200. Not sure what to do because we either are thinking of letting go all the debts meaning don't pay them until they settle with us or just file BK. Reality is we owe alot and I am also trying to save a for a fertility treatment which in California we pay the entire amount another $15,000. I am feeling stressed and trying to figure out what is best. Alliance is the thrid party collection agency. Not sure which looks worse on credit. Thannk

my husband and I spilt up anf he said that he would make the payments but was late making them .I didnt know anything about him being late , plus I find out that I am not on the deed or taxes .i called them they said i was not the primary on the loan and they only had his numbers .Can I hire somebody to get this off my credit .

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Who's traveled to the states

I have only been to the states twice: Once on a 2 week trip in NYC and va (together with DC), And another flying stop by at NYC.

New York totally lived up to the hype to me i have been previously to other major world cities (Hong Kong, Dubai, Istanbul) And lived both in London and Paris, New York really felt like the centre of the whole world. This flabbergasted me somewhat, As you read so much nowadays about how it's lost its edge thanks to restrictive immigration policies, And how London is now more open and modern but I didn't feel this at all. London and Paris felt slightly parochial likened. You get the impression that almost nothing fazes New Yorkers.

I was surprised at the squalor of the public facilities (Subways, lines, Public pieces) as opposed to opulence of the private (locations, cafes, bars) As I'd always had the impression that NY was a bit more lefty than the rest of the US. Paris is the exact opposite public toilets are often nicer than those in restaurants! The tube/mtro are SO much cleaner and more efficient the only source of accumulated on the subway seemed to be tramps and hobos! However I was dumbfounded at the extensive gentrification in Manhattan even Harlem felt vibrant and lively, If not productive though I never ventured to the Bronx or Queens. Buildings can be a lot more dilapidated in poorer areas of Paris/London. The natural setting of NYC on the harbour and all those islands is magnificent, And something that doesn't get talked about enough. It beats landlocked London and Paris absolutely. I visited in summer both times and contrary to what I'd been lead to believe found the climate pleasant and warm getting too hot and muggy.

DC was quieter and leafier than I was ready for. not really a world city. I was surprised at what amount intact Victorian architecture there is in both DC and NYC your impression in Europe from the movies is that everything in the US is brand new, Which will never be true.

The rest of the state Virginia did live up to my image of the US vast distances, line malls, Big cars, Big workers, Fast food pretty much everywhere! Another thing that pretty spanish girls struck me was that every thing has a slightly 1990s feel the malls, The fonts used on public signage what surprised me; summer time climate and the scenery are gorgeous : Constant mediterranean and beyond sunshine but with lush green almost English scenery. With smaller roads and more thoughtful success (Less aggressive sprawl) It would be a paradise it seems a shame to spoil that countryside with pointless freeways and parking lots normal basis, This could not be allowed in the UK where we are much more careful with our space.

Generally though I was surprised at how unspoilt many of it is, Particularly in high altitude you can see for miles across virgin forest: In the world, It is a lot more densely populated so similar vistas are always peppered with villages and roads and farms.

The food in New York and DC I found to be amazing (Which i expected) But Virginia sadly was dreadful all fast food and even when you found the odd independent guesthouse and caf the portions were obscene and tasted like cardboard.

Obviously mentioned are random musings, And totally summary. I'm sure someone will be restored saying that New York was actually a big let down and that you can eat really well in Virginia!

Would become to hear what Americans' thoughts were on first visiting the UK/Europe?

I actually had very similar impressions to you. I too felt much of the US felt surprisingly little retro, The 'slight 1990s feel' you chat about. LA in truth felt very '20th century' to me, Even say setting sun Blvd, Just the design of the buildings, the store fronts, A lot of the structure. Coming from Australia I thought California would look extremely modern but in some ways it genuinely seemed a bit dated, In a in order to good way.

I was a huge fan of NYC before I traveled to and agree, It still can evoke the no. 1 city across the country despite London, tokyo, japan, Shanghai trashing on it's doorstep. Tokyo might have the best way to, London might challenge it as the worldwide 'financial centre' or have people who speak more languages, But that counts for nothing when you actually visit the big apple: It's a frame of mind, It is THE penultimate 'big city' anywhere and the rest are just imitators. The first skyscraper all over the world, The Flatiron improving, is set in NY, And don't you others forget that lol.

Yes the subways are grungy, And NYC suffers from gritty: But do you know what, I individuals. NY has a popular quality about it: I feel it'll always have that strong 'New York' feel that transplants cannot remove or time will not change. Harlem felt like a timewarp into 1970s, There wasn't as much gentrification as i was thinking.

I went to the US responsible for last year for 6 weeks. through Australia, It actually felt like a bizarro parallel arena in a way: Same expansive suburbs, junk food joints (more chain dominated than here, And those huge billboards!), People driving on a good, American accents absolutely all over this nation (Felt like I'd stepped into a TV). City centres felt even MORE dead than foreign cities, by exceptions. the best cities were probably NY, NOLA, birkenstock boston, topeka, san diego and parts of LA. LA is actually quite a cool city. DC also pleasantly impressed me. the deficiency of hole in the wall diners and prevalence of fast food was a bit depressing, Also Holiday Inns on the inter state was kind of weird.

Americans themselves seem quite dissimilar to Australians. a few staff in restaurants and diners down south were really nice though. I do get the opinion that it can be a hostile place, most of the people behaving like jerks. I was scolded by the immigration official for not being aware of how to use a complex device i'd never used before, And called names by a small grouping of firefighters lol.

By the time I actually went to Europe I was as well versed on what I would see there as probably 90% of people that had already been there, So not much came as a an unexpected. rather:

1. The people were continues to well dressed. They did not dress in a notably exotic style, But much as American upper middle-class "Yuppies" (Or white color Manhattanites) decorate.

2. how little ethnic restaurants across Spain. Even in the capital city's the yellow pages, Listings for restaurants serving food from the various regions of Spain vastly outnumbered restaurants serving foreign cuisines. Despite the large ethnic communities found in some places throughout Spain (Ecuadorians, Pakistanis, etc.), Few eating places serving those types of cuisine could be found. american indian, Ethiopian, japanese, chinese language program, british, and.

3. The role enjoyed by "bares" In learning to speak spanish culture. Are generally places devoted to the intake of alcohol; basically bar food is a second thought (Although progressively more bars are known for their food) And lots of weird NOT ordering alcohol. Children or teenagers are rarely seen in them, And might even be forbidden from entering them by local laws. in spain, Bars are more places of social, And have excellent desserts from my experience (Bocadillos special). gourmet coffee, in the daytime.

4. The apparent uniformity of some issues with the culture. foods are one, Bares are another, as well as. Spanish people seem pleased with less diversity and more "Normalcy" Than residents, Or you have got less of an "alternative" or "clever" Sector in the Spanish number of people.

5. having less choice in soft drinks. In most American filling stations, There is a myriad choice of pops in both diet and regular varieties. hardly anything else. And those fizzy drinks seem half the time to be destined towards mixing with alcohol.

6. some cliquishness of Spaniards. single in spanish Spaniards always appear in groups. This can make sure they seem standoffish and cold for a solo traveler, As their social needs are met by the group and they have no reason to connect to you. in spite of this, when they are alone, Or with only one other person, they are usually friendly, maybe even more than Americans.

7. How little readers are on the non urban autopistas (Freeways). at the cities, There is congestion that rival similar sized American cities, But just outside of them, There are shockingly few individuals traveling between cities in private vehicles, inspite of the autopistas being toll free (with regards I know). The little traffic you see mainly is comprised of buses and trucks.

I went to the US somebody in charge of last year for 6 weeks. produced by Australia, It actually felt like a bizarro parallel world in a way: Same vast suburbs, ready made meals joints (additional chain dominated than here, And those huge billboards!), People driving on an appropriate, American accents absolutely far and wide (Felt like I'd stepped into a TV). City centres felt even MORE dead than australian cities, with some exceptions. the best cities were probably NY, NOLA, boston, memphis, hillcrest and parts of LA. LA is actually quite a motivating city. DC also happy me. a deficiency of hole in the wall diners and prevalence of fast food was a bit depressing, Also Holiday Inns on the inter state was types of weird.

Americans themselves seem quite different to Australians. the majority of the staff in restaurants and diners down south were really nice though. I do get the sensation that it can be a hostile place, plenty of folks behaving like jerks. I was scolded by the immigration official for not so sure how to use a complex device i'd never used before, And called names by a group of firefighters lol.

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