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What can I do to errase old credit card bills from 7 years ago?
Dispute with CRA's as too old to report
Removing old debt from credit report?
how to removing old bebt from credit report
If you have been told you have a delinquent debt with a car repossession that was charged off in 1994 can this debt be placed on your current credit report even though you have denied ever owning the car?
A repossession that is over seven years old is not supposed to be on your credit report. It is not unusual for a collection agency to illegaly "reage" a debt in order to try to pressure you to pay. From your post it does not appear that you know what is on your credit report. If you have been denied credit then you are entitled to receive one for free. Contact information for the three credit reporting agencies can be found at solidgoldhomebusiness.com If this item is actually on your credit report then you can dispute the information and demand verification. Dispute instructions will be included with the report.
If your bankruptcy is nine and a half years old will it be taken off your credit report when it reaches the 10th year automatically?
Not necessarily. Sometimes it can take a credit bureau a few months (or even longer) to take an old record off your credit report. The best advice I can give is to request a credit report after 10 years have passed. If the bankruptcy is still listed, you can dispute the record directly with the credit bureau. You can get a free credit report at www.annualcreditreport.com or from most housing counseling agencies. You can find these agencies by looking on www.hud.gov.
How can I get approved for a credit card with a score of 300 I need a non secured?
A score of 300 will not get you an unsecured credit card, you could start by getting a copy of your credit report and clearing up all the erroneous information, then set to work clearing all the unsecured debt you have showing in collections or as late, one thing that can help is that if you dispute old negative items there is a good chance they will drop off your report because the creditor does not respond to the credit bureau.
A consumer credit report: What is it?
A consumer credit report is a record of your credit history. It shows lenders how you have managed your credit in the past, and it helps them decide whether to lend you money and how much interest to charge you. A consumer credit report includes information about your: Credit accounts, such as credit cards, loans, and mortgages Payment history, including how often you have paid your bills on time Amounts owed Length of credit history Types of credit Public records, such as bankruptcies and liens Your credit report is compiled by credit bureaus, which are private companies that collect and sell credit information. In the United States, there are three major credit bureaus: Equifax, Experian, and TransUnion. It is important to review your credit report regularly to check for errors. If you find any errors, you should dispute them with the credit bureau. Your credit report can have a big impact on your ability to get loans, so it is important to keep it accurate and up-to-date. By understanding your credit report, you can make informed decisions about your finances and improve your credit score. Here are some of the things you can do to improve your credit score: Pay your bills on time. This is the most important factor in determining your credit score. Keep your credit utilization low. This is the percentage of your available credit that you are using. Aim to keep your credit utilization below 30%. Don't close old accounts. Closing old accounts can lower your average age of accounts, which can hurt your credit score. Dispute any errors on your credit report. If you find any errors on your credit report, dispute them with the credit bureau.
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
If you filed Chapter 7 bankruptcy in 1998 can a creditor still report you as being 120 days late in 2002?
After 1998, the only new information that the creditor should be reporting is that the debt was included in the bankruptcy. The debt is nearly 7 years old anyway and should drop off your credit report by the end of 2005. Visit the website for the Federal Trade Commision and you will see they they have very helpful information on how to dispute items like this on your credit report.
Will paying off my 72k mortgage and 30k in bills raise your fico fast and how much?
No and Yes. Paying down your credit cards so that the available credit is higher then what is currently being used is a factor in the scoreing. The best way you can raise your credit score is dispute the derogitory credit you have that has been paid off or is old. There is no reason something paid current from 1980 should still be on your credit report. If you do not stand up for yourself no one will. I suggest disputing any paid derogitory credit. Even if it says paid on the report dispute it anyway as being paid. The agency will go back to the creditor and they will have 30 days to answer the dispute or it will be dropped of the report. most collectors when paid do not answer those disputes.
How do you remove items from your report where the most recent activity on them is over 7 years old?
Call the credit reporting agency and ask them to remove it.
How do you get a judgment removed from your credit report if it has been on your credit report longer than 7 years?
The procedure is the same as getting any other inaccurate or expired information, removed. Write a letter to the credit bureaus, dispute the judgment and request that your file be corrected. Send proof of your identity, address and social security number and request a complete credit report be sent to you when they have corrected the old entry. Good luck!
How do you remove a home loan from you credit report after bankruptcy it was listed on Bankruptcy.?
Bankruptcy information (and other legal actions like judgments) may stay on a credit report for up to ten years after the fact. If your credit report still reflects a bankruptcy after ten years, create a dispute/update request with the associated credit reporting company and include proof that the bankruptcy is older than ten years old (the state record of the original date of bankruptcy action is typically all of the proof one needs). Negative items (including home loans that may have been forgiven) may stay on your credit report for up to seven years after the occurrence, regardless of bankruptcy status. Similar to the process above, if there is negative information on your credit report after seven years, one can request an update/modification of the credit report by providing appropriate proof.
