How to Get Stuff Off Your Credit From When You Were a Minor

A good credit score is important. If you want to buy a car, get a credit card or secure a mortgage, your credit score will determine your interest rate, or whether you can get credit in general. If you have blemishes on your credit report, take action to correct the blemish or pay the creditor. For a blemish that exists for a transaction that occurred when you were a minor, you can request the removal of this particular item from your credit report.

Instructions

1

Contact the creditor and demand proof of the debt. According to the Fair Credit Reporting Act, it is the creditor's responsibility and legal obligation to provide evidence that you owe the debt. Request that the creditor send you a statement that provides the date the transaction took place, the amount, the item or services purchased and the names of all parties involved in the creation of the debt.

2

Provide proof of your age at the time of the transaction. If you did not agree to the transaction, providing proof that you were under the age of 18 when the debt was created means you cannot be held responsible for the debt. Proof of age documentation includes a state-issued ID, birth certificate or passport. Send your documentation to the creditor and demand that it request the removal of the item from your credit report.

3

Contact all three major credit bureaus -- TransUnion, Equifax and Experian -- and demand that each agency remove the negative item from your credit history. Contact the credit bureaus in writing. Include your name, the item in dispute, the reason for the dispute and your supporting documentation; in this case, proof of age at the time of the transaction. It is important that you contact all three agencies since each reporting agency weighs credit items differently and each has its own database. Under the FCRA, credit bureaus are legally obligated to investigate all credit report disputes.

4

Wait for the credit reporting agencies and the creditor to contact you with their decisions. If you made your case, each reporting agency will send you a letter and a copy of your new credit report if the removal resulted in a change in your credit score. The creditor should also send you a notice informing you of its decision, along with any action taken.