Why is my credit still bad?

So you paid all of your collections, your old credit cards that were once charged-off are now paid-off or settled. Why does your credit report still look like you have never paid anyone in your life? The reason is the old creditors do not really care about making sure your credit improves. In fact, a lot of the time they just stop reporting once you pay. That means that when you pay the charged off account, whatever status the account was in when you paid it off is the status it will stay in on your credit.

It is not the bureaus’ job to make sure everything is still accurate. It is the bureaus’ job to report what creditors and collectors tell them to report. If the credit card company or the collection company never bothered to tell the credit bureau that you paid them, the charge-off or collection will not be removed without a little work on your end.

There are 2 ways to clean up your credit. You can either do credit repair yourself, or you can pay someone to do it for you. Doing it yourself is free. We even offer our users a free copy of recreditpair. Click the link for Do It Yourself Credit Repair to go to our recreditpair page. If you do not have time to do it yourself, you should strongly consider hiring a company to do the credit repair for you.