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  2. Can a goodwill letter get late payments removed from your ...

    www.aol.com/finance/goodwill-letters-payments...

    A goodwill letter is a formal letter sent to a creditor, lender or collection agency to request forgiveness for a late payment or other negative item on your credit report. In the letter, you ...

  3. Can you pay to remove negative items from your credit report?

    www.aol.com/finance/pay-remove-negative-items...

    Request debt removal: Request that the collection agency delete the debt from your credit report in exchange for payment. Timeframe to respond : Give the collection agency a deadline to respond to ...

  4. 8 steps to remove old debt from your credit report

    www.aol.com/finance/8-steps-remove-old-debt...

    If a collection agency bought your 10-year-old retail card debt and has started putting it on your credit report with a different date, for example, you may be able to remove that collection item ...

  5. Charge-off - Wikipedia

    en.wikipedia.org/wiki/Charge-off

    A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. A charge-off is a form of write-off.

  6. Fair and Accurate Credit Transactions Act - Wikipedia

    en.wikipedia.org/wiki/Fair_and_Accurate_Credit...

    The act allows consumers to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). In cooperation with the Federal Trade Commission , the three major credit reporting agencies set up the web site AnnualCreditReport.com to provide ...

  7. How to get debt relief - AOL

    www.aol.com/finance/where-debt-relief-help...

    You can also get a free copy of your credit report on a weekly basis from all three major credit bureaus — Equifax, Experian and TransUnion — by visiting AnnualCreditReport.com. Although full ...