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    Nikhil Wason

    One hack majority of individuals do not know about is that they can ask their creditors to re-age their accounts. Yes you heard it right -- it is possible. Most derogatory reports may stay on your credit report for 7-10 years. Now, you won't have to wait that long to get all these removed from your credit report.

    How do you dot it? Find some time to negotiate with your creditors. Come up with a reasonable payment arrangement. In exchange, you may ask them to re-age your account. The process of re-aging your account will remove any late payments or negative statuses which were reported. If you don't want to deal with this on a personal level, you may opt to apply for a debt management program. Most creditors will automatically re-age your account if they find out you're willing to undergo this type of program. 


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