So this is kind of a joke post, kind of not. I ruined my credit in my 20s but by age 32 I had it all paid off. Been paying on time on bills and currently only debt is car at $200 a month. Problem is: credit bureaus still show all previous debts as either bad or not paid off. Some of which are debts that have been paid off for 10 years. Sent letters, made phone calls, used a credit repair firm (how are these not all scams), and nothing has changed. Score won't raise even though on time payments and all debts other than current car paid off.

TLDR: credit shot in 20s, all debts paid off, credit bureaus not updating their side.

Here's my quandary: do you think the credit bureaus would be upset if I... peeked into their databases and did their job for them? It's not TECHNICALLY incorrect. Those records according to their own rules should be gone or show as paid off. That way I can get a house! We we've saved $40k for a down payment and still can't get a loan. I know it seems like a financial post but to be fair, I've exhausted all routes of that and need to take action into my own hands.

Just need thoughts? Also, possibly a list of people if I snap and go "supervillain" and y'all want your credit histories wiped too!

LOL!

Hope y'all enjoyed my deep dive into one of the circles of hell on Earth.