0
Initially, it's not possible unless the delinquency was placed there in error. If the delinquency was placed there correctly, then you PROBABLY have no other option than to wait 7 years from the date of the FIRST delinquency, before it went to collections. HOWEVER, calling the creditor has worked for some people, although once your balance or settlement has been paid, they have less incentive to work with you. Still, it's worth a shot. When you do this you MUST ask the creditor to send you a letter stating that your delinquency has been removed from your report. This is important because you need this letter to submit to the three Credit Bureaus (TransUnion, Equifax, and Experian) so that it's official that your report has been adjusted accordingly. I hope this helps you.
Good Luck!
What else can I help you with?
What is the consequence of having the credit delinquency on your credit report?
It will be harder to get any loans, credit cards or a mortgage as your credit history has not been good.
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Can collection agencies remove items from your credit report?
No, collection agencies cannot remove items from your credit report. Only the credit bureaus or the original creditor can remove negative items from your credit report.
What does the acronym DFD stand for in an Equifax credit report?
The information I found states Date of First Delinquency.
How long does delinquency stay on credit file?
Generally they can pursue/report for 7 yrs on a debt that is unpaid.
Does LATE and Delinquency in Credit report mean the same?
Yes.
What is the consequence of having the credit delinquency on your credit report?
It will be harder to get any loans, credit cards or a mortgage as your credit history has not been good.
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Can collection agencies remove items from your credit report?
No, collection agencies cannot remove items from your credit report. Only the credit bureaus or the original creditor can remove negative items from your credit report.
What does the acronym DFD stand for in an Equifax credit report?
The information I found states Date of First Delinquency.
How long can a charged off debt stay on your credit report?
7 years from the date of first delinquency
How long does delinquency stay on credit file?
Generally they can pursue/report for 7 yrs on a debt that is unpaid.
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.
What does delinquency on a credit report mean?
Means that you did not pay your bills on time, or that you've never paid some of them. Make sure you get that straightened out, then don't be late again! That information stays on your credit report for up to seven years!!!
Does a bankruptcy remove the crediters from your credit report?
No, the information remains on your credit report.
Can a debt collector remove negative information from my credit report?
No, a debt collector cannot remove negative information from your credit report. Only the credit reporting agencies or the original creditor can remove or update information on your credit report.
If you pay a medical bill that is reported as a delinquency on your credit report and the bill is less than 100 does it still show on your report for 7 years?
It shoulden't.
