Questions

Negative information that is correct remains on report 7 years from date of first delinquency.Ask them if you can do a pay for delete settlement. You pay and they delete bad info from reports.

Too late on the first one, i paid an old cell phone bill but it is still showing as an open accopunt but 0 balance. Just want it off.
Best thing to do is debt validation letter if you have something in question right?

Actually it is never too late to dispute account if you can convince data furnisher to correct status.If that cell phone is showing open account and you are not paying on it monthly,it is reporting incorrectly. Instead of a pay for delete,try a goodwill letter.Just a basic letter saying I made a mistake but would like to fix this since I paid you in full and it would generate goodwill for both of us. You can send debt validation but if original creditor has the account(electric),a pay for delete may get it off report.

Call the phone company and tell them that they are showing up in your credit report with an open account. They will mark it closed and update the bureaus.

Is your electric bill now with any collection agency? If yes, get the debt validated before you pay them. After the account is cleared, they will mark the account as "paid collections" with the bureaus.

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