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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?
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.
What else can I help you with?
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.
How can I request collections to be removed from my credit report?
To request collections to be removed from your credit report, you can contact the credit bureau and the collection agency in writing, providing evidence to support your request. You can also negotiate a pay-for-delete agreement with the collection agency to have the collections removed in exchange for payment.
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 'satisfied' judgment removed from your credit report?
To get a 'satisfied' judgment removed from your credit report, you can contact the credit reporting agencies and dispute the information. Provide any documentation that shows the judgment has been satisfied. You may also need to reach out to the creditor or court that issued the judgment to request that they provide confirmation of its satisfaction to the credit bureaus.
How can I request a refund for my United travel credit?
To request a refund for your United travel credit, you can contact United Airlines customer service and provide them with your travel credit information and details of your request. They will assist you in processing the refund for your travel credit.
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.
What is the process for obtaining a fidelity cash credit from unsettled activity?
To obtain a fidelity cash credit from unsettled activity, you need to submit a request to your financial institution or brokerage firm. They will review the unsettled activity and determine if you are eligible for a cash credit based on their policies. If approved, the cash credit will be deposited into your account.
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.
