Experian Potentially Negative Items

Discussion in 'Credit Talk' started by deriousb, Apr 1, 2011.

  1. deriousb

    deriousb New Member

    I have some things that i'm thinking needs to removed to make my credit score better. I have 11 potentially negative items showing.

    1) is a apt collections that was paid in full in 2004

    2) is a auto loan that was paid off as of Nov 2010.

    3) the other 8 are sallie mae accounts. I now have them in forbearance so these are in good standing now.

    Should I leave these on my credit report?

    Should I try to get them off my credit report?

    Help Me Out
  2. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    1.) It would be great to get this removed now, but that might be a real uphill battle considering you already paid it in full quite a long time ago. It might just be best to wait until it falls off on its own.

    2.) Don't remove a paid off auto loan that was in good standing. It's not hurting your credit scores at all.

    3.) Do you have late pays associated with these, or are they just in forbearance? Leave them alone unless there are negative marks associated with them.

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