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Negative things that affect ones personal credit report will stay on record for anywhere between 7 and 15 years. The only way to "wipe" if off the report immediately, is to prove to the credit agency that you had paid everything in full before an eviction notice was initiated. Eviction notices are not generally issued until 15 days have elapsed from the rent due date. If you paid the balance after the eviction notice was issued, you might just have to grin and bear it for awhile.

This is why it is sooooo important to pay your bills on time, every time ... there are ways to get the monies together before they are due ... 2nd, 3rd and even 4th jobs - anything you have to do in order to meet your financial commitments ... it may be an inconvenience for a short time, but it is far better than having this negative credit report item hanging on your neck for the next 7 or so years.

Just because a bill has been paid off doesn't necessarily mean that it is wiped off the credit report. I have a "zinger" from 2002 (one day late payment) that still haunts me and there isn't thing one I can do about it ... So I just grin and bear it and get on with life the best I can.

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12y ago

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