Many lenders will erase negative marks from your credit reports after you’ve made 12 months of on-time payments.
It can’t hurt to ask your creditors if they offer this option. The worst they can say is no.
The credit bureaus have a toll-free number (888-5OPT-OUT) that allows you to take your name off marketing lists that are sold to credit card companies.
You can contact the Direct Marketing Association to be removed from their mail and phone lists, as well. Write to Mail Preference Service, P.O. Box 643, Carmel, NY 10512 and Telephone Preference Service, P.O. Box 1559, Carmel, NY 10512.