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If a derogatory item has been removed from your credit report, it should not show up again if the situation was resolved. Contact the credit bureau and ask that it be removed.

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โˆ™ 2014-09-17 20:02:59
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Q: Can derogatory items reappear on your credit report after it has been removed?
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When an item goes off your credit report does your credit score increase?

When a derogatory item is removed from your credit report, them yes, your score increases. If you have a credit account with no derogatory items (late payments) and you close it, then your score is likely to decrease.

If you pay off a 12 year old judgment will it reappear on your credit report?


How does having a repossession removed from your credit report affect your credit?

Anytime a negative item is removed from your credit report, it will raise your credit score unless new collections are added to your report.

When will a 1999 discharged bankruptcy be removed from a credit report?

It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.

Asking If you pay the collection agency can you have the derogatory item removed from your credit file?

pay the collection agency, then check what their report is about you, if not good threaten to get a attorney and bring suit

How long will it take for bad credit to be taken out of your record?

The date when the derogatory account is going to be removed from your credit report is known as the FCRA Compliance Date. Most derogatory accounts remain on your credit report for 7 years. Although there are exceptions. Chapter 7 bankruptcy accounts will remain on your credit report for 10 years. A tax lien may report indefinitely. You can try to have the accounts removed before the FCRA Compliance Date by contacting the credit bureaus, collection agencies, and original creditors. If you don't know what you are doing you will need to do quite a bit of research on how this process works, or you may hire a professional credit repair company to help you.

Can you call an old credit collector and ask them to remove a Derogatory mark from your credit report?

yes- better to dispute it via the credit bureau companies however as if the creditor refuses to respond within a certain time frame it will have to be removed

How do get a discharged chapter 7 removed from your credt report?

You cannot get it removed from your credit report. It will be on your credit report for 10 years and it will affect your ability to get loans and other type of credit accounts.

Is there a way to get bankruptcies and foreclosures off of credit reports?

You can attempt to have this information removed from your file just like you would any other derogatory information. You should be aware that legal items are verified prior to being placed on your credit report, have different standards of verification and (unless they are on your report in error) usually are not removed.

How do you remove lien from credit report?

How can I get a lien removed from my credit report what is the statute of limitation law?

Will a credit score change when a discharged bankruptcy is removed from the credit report?

Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.

How can something be removed from your credit report?

It depends on what you mean. If you have erroneous information on your credit report, contact the credit reporting agency and tell them you want to file a dispute. If you're referring to a negative credit account or report that is in fact accurate, you usually cannot have that removed. Entries on your credit report are removed automatically after 7-10 years depending on what it is.

Can you get a late payment removed from your credit report?

A late payment can be removed from your credit report. Any information you believe to be erroneous or inaccurate can be disputed with the 3 major credit bureaus and if that information is not verified, it must be removed.

What should you do to get paid collections off your credit report?

If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.

Can you remove inquiries from credit report?

Inquiries can't be removed from a credit report at your request, which means you must wait at least two years for them to be automatically removed.

How can a dismissed bankruptcy be removed from a credit report?

Nothing, a dismissed banruptcy remains on a credit report for seven years.

How do you remove collections from credit report?

You can remove collections from your credit report by disputing them to the credit bureaus. The credit bureaus have 30 days to verify your collection with the collection agency or it must be removed from your credit report.

Does a credit score increase after succesfully disputing creditors?

If you get a derogatory report off your credit, your score should improve 30-60 days.

If an account was charged off and removed from your credit report after 7 years can another company buy the account and place it back on your credit report?

No, it is illegal, and if you are a victim of this, you can have it removed from your credit report by disputing it with the bureaus. After the statute of limitations is up on any trade line, it can not be placed back on your credit report.

How do you write a derogatory credit letter?

You would only be able to write a derogatory letter if you a creditor who reports to the credit bureaus. If someone owes you money, you can go to court and file a judgment. This would show up on someones credit report, showing 'you' as the plantiff and the debtor as filed against. The judgment would remain on a credit report until the judgment is paid or falls off the credit report in seven years.

Can you apply for a car loan if you are disputing items on your credit report?

Get your disputed items cleared and marked paid before you get started on the loan. Having derogatory items on your credit report will affect their opinion of your credit worthiness.

Can a bankruptcy entry on a credit report be removed when the bankruptcy was discharged in 1999 and it is listed on the credit report as 2006?

No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.

Can a judgment be removed from your credit report?

Yes...once it is paid.

How do you get accounts that have been closed for a long time removed from your credit report?

You get closed accounts removed from your credit report in the same manner as any other information. You write a letter of dispute to the creditor, or credit bureau, or both. The question is; why do you want closed accounts removed from your credit? If these accounts were paid as agreed, their appearance on your credit report is still offsetting any other information that appears there. I have clients with closed, 6-10 year old, accounts and active derogatory accounts that still have viable credit scores. Were they to challenge and have removed the closed accounts, they would have no score at all, which can be worse than having a low score. Keep in mind that your credit report, and the resulting credit score, is a history of how you have paid your bills in the last 7 to 10 years. You do not necessarily want that history to be empty.

What is derogatory public record?

This is a negative criminal or credit record that is available to be pulled by the public, such as a credit report or background check. It usually involves crimes or bad credit.