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When can old credit card information be removed from your credit report?
Wiki User
∙ 16y ago
Derogatory information (30,60,90 days late) stays on your credit report for 7 years. Public records (bankruptcy, judgements, liens etc.) can stay on your report for up to 10 years. * SOMETIMES there's a way to get the bad stuff off. The trick is you have to pay the balance in full (not settled - settling wrecks the credit reports of consumers). 60 days after you've paid the balance in full, you can request validation of the debt. Many banks have a growing problem with server capacity, so they often move the accounts with paid balances into their archives leaving the accounts with residual balances on the system. When you request validation of the "balance paid in full"account, there is an even chance that the bank may not be able tovalidate itbecause of archiving following the balance being satisfied. The FairCredit Reporting Act states that if the subscriber (the bank) does not provide validation of the debt within 30 days of a consumer's request for such validation, the item must be removed - permanently. Make sure you do your homework on this (i.e the debt is paid in full - not settled). If you are not sure, write your financial institution and ask for a corrected copy of your statement. That separates the wheat from the chaff.
Wiki User
∙ 16y ago
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What sites offer free instant credit reports without having to use a credit card?
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
If a credit card company refuses to give you information to help clear your credit report do they have to remove it from your report?
Read the Fair Credit Billing Act. Also your user agreement.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
How long will bad credit remain on your credit report?
Bad credit or any negative report will remain in your credit report for seven years. Therefore, if it happens that there is a wrong information that will affect your report negatively, be sure to dispute it immediately. You can also do your own credit card repair in order to eliminate any bad credit that will be reflected in your credit report.
How can one get a free credit report?
Free credit reports can be had on various websites. Annualcreditreport and Quizzle are both good places to look for a free report without needing to provide credit card information.
Were does information containded in a credit report come from?
Information in a credit report comes from banks, mortgage lenders,credit unions, credit card companies, insurance companies, landlords, department stores and employers.
How do you get creditor to correct wrong information on your credit report?
This hapenned to me in the past. I was registered with experian, I had no defaults on my credit report, however a loan company told me that I had a default on my credit report I then told them that I had checked my experian credit report and it was clean but they told me it was equifax where the bad report was logged on. I checked it and it was for a credit card I had never even heard of. Equifax investigated it and found out in a couple of days that I had nothing to do with it. This was in 2007 about when it was removed. its now 2011 I also found out recently that you can actually sue companies that put false information on your credit report.
What sites offer free instant credit reports without having to use a credit card?
You can get a free credit report once a year from Annual Credit Report. There are other sites like Credit Karma that will give you your current credit report without having to use a credit card or signing up for a service. You will need to enter personal information to obtain your credit report so make sure that the site you are using protects your sensitive information.
If a credit card company refuses to give you information to help clear your credit report do they have to remove it from your report?
Read the Fair Credit Billing Act. Also your user agreement.
How can you get the name of the person who used your credit card for a flight?
That information is unlikely to be available, without contacting your credit card company to report fraudulent use.
If you settle an old credit card debt with a collection agency paying the negotiated price in full will the collection agency remove the collection from your credit report?
No the collection will not be removed from the credit report. They will show it paid in full.
How do you remove a false charge off date from your credit report if the date was reset from the original?
You can have a credit dispute, if the agency reporting the bad judgment does not get back with the company disputing the judgment within 30 days, it HAS to be removed from your credit report. Example: I filed bankruptcy(?) on a auto repo. and the company did not take it off my credit report, I had my credit card company do a credit dispute, they did not respond within 30 days, and it was removed from my credit report.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
Can I report credit card fraud if I know someone who has someone elses credit card?
Yes I believe you can report credit card fraud if you know someone who has someone elses credit card, if let's say one of your friends or family member got there credit card stolen and you also know the person who stole the credit card you can report a credit card fraud or you can just let your friend or family member report fraud on there credit card, I hope this helps :).
View my chase checking account number on credit report?
Personal checking accounts will not show up on your credit report. If you have a Chase credit card, you will see some information about the card like reported balance, status, and maybe the current APR on your report, but you won't see any information about to the checking account you use to pay the bill...
How long will bad credit remain on your credit report?
Bad credit or any negative report will remain in your credit report for seven years. Therefore, if it happens that there is a wrong information that will affect your report negatively, be sure to dispute it immediately. You can also do your own credit card repair in order to eliminate any bad credit that will be reflected in your credit report.
Where can one find information on credit card payments?
All major credit card issuers and merchants report to credit bureaus. There is not a list as to which ones (if any) would not participate in such reportage.
