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How does a person request that good credit information more than 7 years from the last activity date be removed from their credit report?
Wiki User
∙ 8y ago
You make this request just like any other; by writing a letter to the credit bureaus.
Why would you want "good credit information" to be removed? This information factors into your credit score. Removing it may cause your scores to drop. It is customary for positive credit data to show 10-12 years. Most derogatory information is shielded after 7 years.
Wiki User
∙ 8y ago
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How long will a charge off take to come off credit reports?
A charge off should be removed from the credit report when the required seven years has expired. Credit bureaus are sometimes lax in their reporting, therefore the consumer should keep track of entries and if necessary contact the CRA, present the needed documentation and request any invalid information be removed.
When are delinquent accounts removed from credit reports?
Typically they are removed 7.5 years from the date of last activity. There are some exceptions, but are handled on a case by case basis.
Will collection accounts be taken off your credit report seven years after they appeared?
Derogatory information, like collection accounts, can legally appear on a consumer's credit report for seven years from the date of last activity according to the Fair Credit Reporting Act. This has nothing to do with when the account was first reported, or last paid. However, some collection agencies do not properly report the correct DLA, using a date of service, or date placed (with their agency). This can provide a consumer with grounds to dispute an account that had "activity" prior to seven years ago. They will not be taken off automatically, you must write to the CRA and request that the information be removed. * FDCPA and federal consumer laws require the debt to be expunged from the credit report when the time limit for such debt expires. As noted, credit bureaus are lax in their record keeping and a consumer will often need to send a written request and documentation to have the debt removed. Be advised judgments can be renewed and therefore can be replaced on a credit report indefinitely. Chapter 13 dismissed BK's remain for 7 years, a discharged chaper 7 or 13 will remain for 10 years.
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.
How do you get credit companies to tell you when the last date of activity on a credit card was?
Under the F.C.B.A.(Fair Credit Billing Act) they are required to submit to you all receipts, transactions, and payment history once they have receive a written request to do so.
Can a creditor file a judgment after 9 years?
not if you never had any activity on the account after 7 years they have to remove it you can request that it be removed by contacing the 3 credit agencies
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!
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.
How can you get a paid default loan off your credit?
You can send a letter of request to the lender. Asking them to notify the CRA that your debt has been paid, and they request it be removed from your file. You may also write the CRA personally, giving them the necessary information.
Is car repossesion automatically removed from your credit report after 7 years or do you have to request that it be removed?
Usually it is automatic, but it never hurts to double check.
Does a bankruptcy automatically come off your credit report after ten years?
No, You will need to write all 3 credit bureaus and request that the information be removed. Credit bureaus are legally bound to remove negative information upon the expiration of such. Unfortunately all credit bureaus are lax in their record keeping and it is indeed often necessary for the consumer to send a letter of dispute containing the pertinent information to have such matters resolved.
Had a bad credit rating its been 8 years since you had bad credit yet im still listed how do you get your name cleared?
If your bad rating is over 6 years old from date of last activity (DLA) and is still on your credit bureau. You should contact the credit bureau (Equifax, Trans Union, Experian) and request for it to be removed from your file.
How long will a charge off take to come off credit reports?
A charge off should be removed from the credit report when the required seven years has expired. Credit bureaus are sometimes lax in their reporting, therefore the consumer should keep track of entries and if necessary contact the CRA, present the needed documentation and request any invalid information be removed.
If your bankruptcy is going to be removed how many points will your credit score go up?
If you have disputed to have the bankruptcy removed in your dispute letter request your free credit report to be sent to you with the updated information. When a CRA corrects information on your credit report they have to send you a free copy of your credit report showing the updated information. This of course is if you had to dispute to get it removed if it just rolls off on its own you may have to pay for your credit report if you've already gotten your free yaerly report. That depends on a lot of factors. Your credit score is calculated using certain formulas and factors, such as amount of total credit versus credit being used, number of accounts, payment history of current accounts, etc. You're best bet is to obtain your score after you think the bankruptcy has been removed. You'll probably have to pay for it, but it's worth peace of mind.
Letter to Request a Credit Reference?
Get StartedThis letter can be used to request that a positive credit reference be sent to a business. For example, Mary would like to purchase a product from ABC Company. ABC Company asks Mary for information about her credit history. In the meantime, Mary has established good credit with XYZ Company. Mary can use this letter to request that XYZ Company provide positive credit information to ABC Company.
When they up date your credit score?
credit scores update whenever there is activity on you credit bureau. ie) usually update whenever a creditor updates thier information, usually after the billing date of the credit card. a merchant/lender inquiry made on your file (except when you request your own personal file from the credit bureau) any unpaid collections bankruptcy etc.
What regulations as to information files do credit reporting agencies observe?
Adverse information must be removed within seven years--except bankruptcy, which remains in a credit file for 10 years. Disputed information that cannot be verified must be removed
