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When can you have bad credit removed from your credit report?


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Answered 2010-04-05 20:15:16

The FCRA says the SOL for debts or negs on your report can only remain for 7 years

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A report about your credit that is bad.


Anytime a negative item is removed from your credit report, it will raise your credit score unless new collections are added to your report.


It should be removed from the credit report in 2009. A bankruptcy remains on a credit report for ten years from date of discharge.


You cannot get it removed from your credit report. It will be on your credit report for 10 years and it will affect your ability to get loans and other type of credit accounts.


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.


Yes, but only after the bankruptcy is removed from your credit report - which can take over ten years from the discharge.


How can I get a lien removed from my credit report what is the statute of limitation law?


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.


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.


If a derogatory item has been removed from your credit report, it should not show up again if the situation was resolved. Contact the credit bureau and ask that it be removed.


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.


In the majority of situations, bad credit items are supposed to fall off your credit report after 7 years, HOWEVER, this doesn't always happen. After the fall of date has passed, it is best to get a copy of your credit report to insure that negative items have been removed. Know your rights and get a Free Copy of Your Credit Report from the credit bureau


If the account is legitimately yours, then you cannot legally have it removed from your credit report. However, if you paid the collection account off, it should be reported as paid on your credit report. Still, the accounts will not be removed from your credit report for 7 years.


Inquiries can't be removed from a credit report at your request, which means you must wait at least two years for them to be automatically removed.


Nothing, a dismissed banruptcy remains on a credit report for seven years.


You can remove collections from your credit report by disputing them to the credit bureaus. The credit bureaus have 30 days to verify your collection with the collection agency or it must be removed from your credit report.


No, it is illegal, and if you are a victim of this, you can have it removed from your credit report by disputing it with the bureaus. After the statute of limitations is up on any trade line, it can not be placed back on your credit report.


You'll have to be patient and give the creditor 30 days to update your credit report. If it isn't done by then, simply dispute it and the bad information will be removed.


No, it cannot be removed but the information can be amended to read correctly. A bankruptcy discharge remains on a credit report 10 years from the date of discharge.


Yes, late payments can be removed from your credit report. Under the Fair Credit Reporting, any consumer can dispute anything on their credit report they believe to be erroneous or inaccurate. If you fall under this category, send a dispute letter to the credit bureau asking for verification on the account, they have 30 to days to verify it or it must be removed.


Only the original creditor or the credit bureaus can remove a charge off from a credit report. You can negotiate to have them removed with the original creditor if they will let you. You can also dispute it to the credit bureaus and they will have 30 days to verify the listing or it must be removed from your credit report.


A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.


Bad credit can be erased legally by sending certified letters to the credit reporting agencies disputing information found in the reports. If the credit agencies cannot provide proof of the debt or validate it then legally the debt is removed from one's credit report. Alternatively, one can contact the creditor and request that the debt be removed if exchanged for a pay off.



No. It will show that you had a judgment on your credit report for up to seven years, but it will show a zero balance.



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