Please remember that since you have an alert do not apply for anything because you will most likely be denied because of that fraud alert. This is for you protection make sure that the three credit bureaus have all you updated information because they will be contacting you to let you know your file was trying to be accessed.
Now if the debt is your debt then of course they will not remove it until the debt is paid off. There is still ways to make sure that when you do pay it off they pull it of your credit to boost your score. For old debt that is two years or older contact them and find out the minimum you can pay. In most cases, the debt has been sold and the older the debt the more they are ready to just settle the debt to get some money because they bought the debt for another company. If they do agree to you paying the minimum ask for a letter that if you pay the debt they will remove the debt of your credit right away. Some will say they cant do it but they can. So dont give up on the fight. There is tons of things you can do.
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