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How to Stop Your Name From Being on Credit Reports

by JC Rawley
  • Overview

    The credit reporting industry prides itself on having credit reports on pretty much everyone. So if you want to stop your name from being on credit reports it will be a long and involved process. It might also hurt you in the long run as most everything we need to purchase, including medical and automobile insurance, will want to look up your credit report before even quoting you a price.
 
  • Step 1

    Review your current credit reports and make a list of those creditors who are reporting you to the credit bureaus.Not every creditor you have will report on you to the credit bureaus. Those that do not need not be a part of this process.
  • Step 2

    Contact the creditors who do report on you and pay off any balances and cancel the cards or debt. Once you are no longer a customer, they need not report on you to the credit bureaus.
  • Step 3

    Contact the credit bureaus for an updated report on you in two months after you have paid off all the debt on your report. You will see that though the debt has been retired, your former creditors' information will still appear on your report. It will take several years for these creditors to drop off your report because the credit reports go back some years for reporting and include up to seven years of legal information (bankruptcies, foreclosures, repossessions and lawsuits).
  • Step 4

    Pay for everything you buy in cash. That may not be as tough as in the past now that banks issue debit cards. They will leave a record of your purchases, as would credit cards, but without a report to the credit bureau. Living on a cash basis will decrease your buying power but will allow you to remove yourself as much as is legally possible from the credit bureaus.
  • 5
  • Copies of all your current credit reports Contact information for all your current creditors
  • Copies of all your current credit reports
  • Contact information for all your current creditors
  • Do not try this unless you already have automobile insurance or medical insurance, because if you do not have a credit history it will be more difficult and more expensive to secure it.
  • Do not try this unless you already have automobile insurance or medical insurance, because if you do not have a credit history it will be more difficult and more expensive to secure it.
  • This article is not meant to be legal advice. If you seek legal advice, it is best to contact a lawyer.
  • This article is not meant to be legal advice. If you seek legal advice, it is best to contact a lawyer.

References & Resources