5 ways to get things off your credit report

  • Wait it out

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    Over time, negative information can no longer be reported. The limit is usually seven years, with some exceptions:

    Collection accounts may be reported seven years plus 180 days from the date you first fell behind with the original creditor (such as your credit card issuer) leading up to when the account was placed for collection.

    Bankruptcies may be reported 10 years from the date you filed, though the major credit reporting agencies will remove completed Chapter 13 cases seven years from the filing date.

    Unpaid judgments can be reported indefinitely or until the statute of limitations expires, though credit reporting agencies will usually remove these 10 years after they were entered by the court.

    Unpaid tax liens may also be reported indefinitely, though you may be able to get them removed sooner if you qualify under the IRS Fresh Start Program. Here's how to get tax liens off your credit reports.

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