Do I have to pay off my negative items in order for them to be removed from my credit report?

Absolutely not! Paying off a negative item doesn’t affect whether or not it’s shown on your report. Erasing an item from your report does NOT excuse you from payment of your debt. It just means that it will not appear on your report when a potential credit grantor is viewing it. If you choose not to settle an unpaid item it may put you at risk for the creditor taking additional action that can again destroy the credit you have just worked so hard to repair (as in submitting it to a collection agent or a small claims court action filing). It’s best to obtain professional assistance to negotiate a settlement of unpaid debts.

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