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Can i request that a collections account be removed from my credit report if it's paid off?
You can attempt to have this account removed (or deleted or simply shielded from view) in two ways.
The first way is by approaching the creditor or collection agency that placed the account. There is no federal or state law which requires or compels credit reporting. Any creditor can, at their discretion, remove or withdraw any account they choose to. The chances of them complying with this request is very small, but it is always worth a try.
The second way is by disputing it with any credit bureau that happens to display the account. The (federal) Fair Credit Reporting Act states that bureaus have 30-days during which they must "verify" any disputed item or shield it from view. The accuracy, authenticity or status of the account is not an issue. If the collection agency cannot "verify" the account, for whatever reason, it would work in your favor.
What else can I help you with?
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.
What should you do to get paid collections off your credit report?
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.
Can Court collections be removed?
Collections can be disputed to the credit bureaus using the Fair Credit Reporting Act. The credit bureaus have 30 days to verify the listing or the listing must be removed from your credit report.
How does having a repossession removed from your credit report affect your credit?
Anytime a negative item is removed from your credit report, it will raise your credit score unless new collections are added to your report.
Will an account in collections from 2005 hurt your chances of getting a mortgage loan in Texas?
Your credit score and income are more important than an account in collections.
When creating a credit account for a customer you need request?
Credit references
When creating a credit account for a customer you need to request?
Credit references
If a debt is reflected on your credit report by a collection agency can the original creditor recall their collection allowing you to dispute the debt with the credit bureaus and have it removed?
YES, THIS COLLECTION ACCOUNT CAN BE DISPUTED; WHICH MEANS THAT AFTER THIS IS DISPUTED YOU CAN ALSO REQUEST FOR THIS ACCOUNT TO BE REMOVED FOR GOOD WITHOUT HAVING TO WAIT FOR THE SEVEN YEAR PERIOD. THIS WILL ALLOW YOU TO HAVE A CLEAN CREDIT HISTORY WHICH IN TURN INCREASE YOUR CREDIT RATING.
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 can I opt out of the Visa Account Updater service?
To opt out of the Visa Account Updater service, you can contact your credit card issuer and request to be removed from the service. You may need to provide your account information and express your preference to opt out.
If you owe money to collections and you pay it can you get these items removed from your credit report?
It is always a good policy to attempt this. But whether or not you succeed in getting a paid collection account removed from your credit report is totally within the discretion of the creditor. There is no law that requires or compels credit reporting. The Fair Credit Reporting Act states that IF an account is reported, then it must be correct. Therefore, collection agencies and creditors usually will tell a consumer that they "must" by law report the accurate nature of the account, which would be a paid collection, as opposed to removing the account.
Can the original creditor direct their collections agency to have an account removed from a credit report?
THE ORIGINAL CREDITOR WILL BE ABLE TO HELP WITH REMOVING AN ACCOUNT BY REPORTING THIS TO THE BUREAUS. DO FIND OUT IF THEIR IS A NECESSARY STEP IN CONTACTING THE COLLECTION AGENCY FOR THESE SERVICES TO BE TAKEN CARE OF.
