False accounts, otherwise called "Mixed Files", get put on to a person's credit report due to the search engine algorithm that is used by the credit bureaus to ensure everything belonging to that person is in the credit report. The requirement for something to be connected with your name and file are set very low.
You need to send a dispute letter to the bureaus explaining that this is not your account and you want it removed. Unfortunately, you may need to send more letters since the bureaus are not really anxious to remove this from their files and the creditor or collection companies just want it reporting and conduct a poor investigation, (if they truly investigate it at all). This is why a good credit repair company can be more effective in getting things removed. As a credit repair company we go after them very aggressively, and, if necessary, turn the matter over to attorneys specializing in this part of the law.
false
Debit Accounts Payable and Credit either the account where the original debit was made or Credit Other Income
Have they been paid off,and how old are they?
Ur momma!!
They don't fall off if they were closed satisfactory by either you or the creditor. If they are negative they typically fall off around 7-10 years. There is not a way to get them taken off outside of these guidelines unless you feel that they are fraudulent accounts, in which case you need to contact the credit reporting agencies...
false
False
Debit Accounts Payable and Credit either the account where the original debit was made or Credit Other Income
no you do not
I've read that closing accounts after they've been paid off can actually hurt your credit score. Among the factors considered in calculating your credit score is the length of the credit history you have, so a history of accounts that have been paid on time is better than a recent history of fewer accounts.
Have they been paid off,and how old are they?
The three types of accounts on a consumer credit report are installment accounts, revolving credit and open accounts. Credit cards are considered revolving accounts.
Ur momma!!
The divorce is of no consequence. If your spouse and their ex opened joint accounts while they were married, they are jointly liable for those accounts and both credit reports will reflect the history. A divorce never supercedes any other contract. You mentioned that the accounts were "both in other spouses name". If that were true, the accounts would not be on your spouse's credit report in the first place.
They don't fall off if they were closed satisfactory by either you or the creditor. If they are negative they typically fall off around 7-10 years. There is not a way to get them taken off outside of these guidelines unless you feel that they are fraudulent accounts, in which case you need to contact the credit reporting agencies...
revenue accounts increase by credit
4 years for store credit cards and 15 years for bank credit cards