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Can a creditor remove collection accounts from my credit report?

Yes, a creditor can remove collection accounts from your credit report if they agree to do so or if there is an error in the reporting.


Will a chapter 7 drop off your credit report after 10 years?

It should be removed 10 years after the filing date. If not, notify the credit reporting bureau of their error in not removing it. If it remains, consult a bankruptcy or debt collection practices lawyer.


How do you get addresses for credit cards for bankruptcy?

Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.


If the original creditor is not reporting a debt to your credit report but their collection agency is can the original creditor instruct the agency to have the item removed in return for full payment?

YES, THE CREDITOR WILL REQUEST FOR EITHER PARTIAL PAYMENT OR FULL PAYMENT. ASK FOR A LETTER STATING THAT THIS COLLECTION WAS PAID IN FULL AND THAT YOU HAVE A ZERO BALANCE. ALSO; REQUEST THAT THIS LETTER STATES THAT THIS ACCOUNT NEEDS TO BE DELETED IN ERROR, SO THAT YOU COULD SEND THIS LETTER TO THE BUREAUS AND HAVE THEM DELETE THIS ACCOUNT OFF YOUR CREDIT REPORT AND RAISE YOUR CREDIT RATING.


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.

Related Questions

Can a creditor remove collection accounts from my credit report?

Yes, a creditor can remove collection accounts from your credit report if they agree to do so or if there is an error in the reporting.


What tool is used report computer errors and conflicts at POST?

It forces the error to be rectified or removed


Will a chapter 7 drop off your credit report after 10 years?

It should be removed 10 years after the filing date. If not, notify the credit reporting bureau of their error in not removing it. If it remains, consult a bankruptcy or debt collection practices lawyer.


How do you remove repo from credit if it belonged to someone else?

If the lender has no legal claim against you, that is if you were not a guarantor on a loan (maker or comaker), then the listing on your credit report is in error. You must request its removal in writing to the lender who has listed it and to the credit reporting agency who has it listed. They will have thirty days to either substantiate the debt and its listing, or have it removed.


If you have duplicate Federal tax liens of the same lien showing on your credit report can you have one of them removed?

Yes, as long as you have the documentation proving the error.


How do you get addresses for credit cards for bankruptcy?

Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.


If the original creditor is not reporting a debt to your credit report but their collection agency is can the original creditor instruct the agency to have the item removed in return for full payment?

YES, THE CREDITOR WILL REQUEST FOR EITHER PARTIAL PAYMENT OR FULL PAYMENT. ASK FOR A LETTER STATING THAT THIS COLLECTION WAS PAID IN FULL AND THAT YOU HAVE A ZERO BALANCE. ALSO; REQUEST THAT THIS LETTER STATES THAT THIS ACCOUNT NEEDS TO BE DELETED IN ERROR, SO THAT YOU COULD SEND THIS LETTER TO THE BUREAUS AND HAVE THEM DELETE THIS ACCOUNT OFF YOUR CREDIT REPORT AND RAISE YOUR CREDIT RATING.


Does going overdrawn through no fault of your own affect your credit rating?

It should not affect your credit rating. Discuss the situation with your bank and have it changed and monitor your credit report. If you see an error, report it immediately. In the report, you will be able to issue a statement on why the account was overdrawn and it will be removed.


What should you do if a collection item is on a report as unpaid for 3 years and the balance owed is incorrect?

First, call the creditor and ask them to correct it. Then, dispute the error with the 3 credit bureaus.


What are the release dates for Error Report - 2011 TV?

Error Report - 2011 TV was released on: USA: 2011


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 credit inquiries?

To remove credit inquiries, you can start by checking your credit report for any unauthorized or inaccurate inquiries. If you find any, file a dispute with the credit bureau that issued the report to have them investigated and potentially removed. Additionally, you can request the creditor to remove the inquiry if it was made in error. Generally, legitimate inquiries will remain on your report for two years and cannot be removed unless they are inaccurate.