0
Is it true that in some minor cases collection agencies will sometimes remove a collection from your record?
No. If it is a valid debt it will only be removed if paid in full or the SOL expires. Credit reporting is a totatlly voluntary activity. There is no federal or state law that compels or requires it. So a collection agency could, if they chose to, remove everything reported against consumers. It is always worth a try. If they refuse, what have you lost by asking? A more efficient method of having collection accounts removed is to dispute them with the credit bureaus. The Fair Credit Reporting Act states that any item disputed that cannot be verified within a 30-day period must be shielded from view. If a collection agency is no longer is business, the account was sold/transferred to another agency, or simply doesn't respond in time; the account will be "removed" from your credit report. The technique is slightly different, but the result would be the same. You can accomplish this by obtaining credit reports from all three major repositories: Equifax, Experian and TransUnion. In those reports are reference numbers and instructions for disputing information.
What else can I help you with?
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.
Can a collection agency remove a collection from your credit report?
Yes, a collection agency can remove a collection from your credit report if they agree to delete it as part of a settlement or negotiation.
Can a creditor remove collection accounts from my credit report?
Yes, a creditor can remove collection accounts from your credit report if they agree to do so or if there is an error in the reporting.
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.
How can I remove a collection agency from my credit report?
To remove a collection agency from your credit report, you can dispute the debt with the credit bureaus if you believe it is inaccurate or outdated. You can also negotiate with the collection agency to pay off the debt in exchange for them removing it from your report. It's important to keep documentation of any agreements made.
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.
Will collection agencies remove old bills from your credit if you pay them in full or just show them as paid?
Collection agencies don't manipulate your credit or remove accounts from your credit. The credit bureaus themselves are repsonsible for maintaining accurate reports, but because the credit is yours, you should check you reports at least once a year to ensure their accuracy.
How do I remove a collection item on my credit report that was disputed but not removed?
Only the collection agency or the credit bureaus can remove a collection off a credit report. You can negotiate the removal of the collection off the credit report upon final payment of the debt owed. Some collection agencies have policies against this, some don't. You can also redispute it to the credit bureaus as many times as they will let you. It has a higher chance of being removed if it is paid off and an older account.
Does expungement of a felony in Washington state remove it from your record?
It will remove the offense from being able to be accessed by the general public. However, it does not make it 'disappear.' The courts, law enforcement, and government agencies will always have access it.
Can a collection agency remove a collection from your credit report?
Yes, a collection agency can remove a collection from your credit report if they agree to delete it as part of a settlement or negotiation.
Can you remove a felony off your record in NC if you were under 18 when charged?
If you were charged as a juvenile, your juvenile record will automatically become sealed to the general public whn you reach your 18th birthday. HOWEVER - the courts, law enforcement, and government agencies will ALWAYS have access to your true record even if you get it expunged.
What motion do you file to remove a judgment after BK 7?
The judgment remains as a court record. The credit reporting agencies should report that it has been discharged in bankruptcy. If the bankruptcy remains on your credit report for more than 10 years, you can tell them to remove it.
Can a creditor remove collection accounts from my credit report?
Yes, a creditor can remove collection accounts from your credit report if they agree to do so or if there is an error in the reporting.
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.
What does expungenment remove?
It removes from the PUBLIC RECORD whatever criminal conviction was cited in the original request. HOWEVER - note that it is only the PUBLIC record that is blocked. Law enforcement, the courts, government agencies and other organizations that must conduct security clearance background investigations will still have access to it.
How do you fix your credit report if an original paid collection account is now listed with multiple other collection agencies a year later?
Your best bet is send a certified letter to the agencies who have your debt listed. Be polite and give them 30 days notice to remove the negative information. After 30 days have expired run another credit report to see if they removed the information. If the negative information is not removed you should file small claims judgment against the credit-reporting agency.
How long is a credit history visible?
The information on the credit report is available up to seven years, both positive and negative. Some collection agencies though can fulfill your request to remove a negative collection in return for a full payment and a lot of people have done this despite it being illegal. The best that you can do to balance out a negative collection is to improve on other aspects of your report. I found ways to do that here http://www.myfreecreditreportx.com/how-to-improve-your-credit-score-fast
