Legal Question in Credit and Debt Law in Florida

I am currently trying to improve my credit, I have three charged off credit cards with fairly small amounts owed. I have contacted these companies to pay for deletion but they say that they are not able to delete these items only update them. I know this is not true, How can I get them removed. They are the only thing holding me back from purchasing my first home. Please someone help!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


Asked on 10/14/11, 2:21 pm

1 Answer from Attorneys
Raymond LaBella LaBella Law, P.L.

The bad news is whether the creditor chooses to report or not is entirely their right. The only way to get them off your bureau would be if the info was false or old. However, if these are paid, then your loan underwriter may take that into consideration. But, I haven;t worked in mortgage loan origination in a long time, and their policies have all changed. Talk to your underwriter.

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Answered on 10/17/11, 7:55 am


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