how do i clear my credit report?
Date: Wed, 10/13/2010 - 05:33
i just recdieved my credit report from transunion. i have stuff on there with "0" balances and 2 from creditors that are my husbands account not mine how do i get these taken off?
If there is a 0 balance and it's a positive item, I'd leave it.
If there is a 0 balance and it's a positive item, I'd leave it. If it's a negative item, you won't be able to have it removed until 7 years after the last activity on the account. If it's been longer that 7 years, they should drop off automatically. If they don't, you can dispute them as "obsolete." For your husband's items, were you an authorized user, co-signer or something to that effect? If so, you can't get them taken off. If not, you can simply dispute them with the credit bureaus as "not mine."