What is the average length of time to clean up a credit report and get the negative items expunged? I have 10 negative items.

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Answered by Heath Schneider, Mortgage BrokerPRO+ in Las Vegas, NV
I have a guy that guarantees 700 scores if you follow his instructions and do not create new negative information during the process. If you have additional questions feel free to call me. | 11.05.14 @ 21:49
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Ted — I'd be wary of anyone "guaranteeing" scores across the board without so much as looking at a credit report. Could be wrong, but sure sounds iffy to me. | 01.29.16 @ 04:23
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:56
T
Answered by Ted
Derogatory credit remains on your report for 7 years from the date of last activity. Public records, such as judgments/bankruptcies/foreclosures stay on for 10 years. Improving your credit is far more than waiting for the old, bad references to fall off. You need to be generating positive credit references as well, via timely payment histories and low balances on revolving accounts. | 01.29.16 @ 04:26
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$commenter.renderDisplayableName() — {comment} | 12.06.16 @ 02:56
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