DH Templates

I was looking for a link to download templates to remove an old credit account from my report?

I have a charge -off on an auto loan from 1999. I was curious if someone could connect me to some links in which would provide templates for the bureaus for this type of particular account. I was also curious how this might improve my score which is 677 right now?

Public Comments

1. Being honest is the best way and pay your debts on time to improve your credit score.
2. What your looking for does not exist! Removing negative items from your credit report will take time and only if they are Inaccurate, Incorrect, Unverifiable and Misleading. Right now I would do nothing because negative items usually come off after 7 to 10 years. The best thing to do right now would be to re-establish credit again and make your payments on time with a couple of credit cards and slowly build up your credit history. I had bad credit after ID theft and bankruptcy and I still got my score up from 486 to 730 on a little over a year, so this is an area I know something about! You can dispute negative items from your report and there is more about this in my website. You don't have to pay anyone to do this for you unless you want to, but beware of scams! There are a lot of them out there! My website has a lot of information on credit repair and recovery that would be too long to post here. I would also talk to a specialist at the local Consumer Credit Counseling Service for advice too. Get all the free help you can.
3. If this was charged-off in 1999 then yes it needs to be removed. Negative items can only remain on your credit report for 7 years from the date of the event that caused the negative item. There are exceptions to this 7 year rule, such as bankruptcies, which will remain for 10 years. But since yours is a charge-off that is only 7. You don't really need a template, but the link below is one you can use. All you need to do is include your information, the account information and the reason you want it removed. When you send the letter do not sign it. You need to send the letter to each Credit Reporting Agency that the listing is on, as they do not share information. Also, when you do send it be sure to send it by Certified Mail with return receipt. This way you have proof that the Credit Reporting Agency did get it. As for if it will improve your score, that is hard to say as your score is based on several factors. One factor is that the scoring systems gives more weight to recent items. So an item that is 7 months old has a lot more effect on your score than an item that is 7 years old. So there is a good chance that this item is having little effect now, but you really won't know until you have it removed.