You may still be liable for balance owed on deleted account


Dear Experian,

Am I still liable for an account that I disputed and that was deleted from my credit report?



Dear MGB,

Just because an account no longer appears in your credit report does not mean you no longer are responsible for paying it. It depends on why the account was removed.

It may have been removed by Experian because the lender failed to respond to the dispute within the required timeframe of 30-45 days. If so, you may still owe the debt.

If the account was deleted because the lender agreed with your dispute, you may not owe it any longer. The only way to know for sure is to contact your lender. They will be able to provide details of the account you have with them and confirm whether or not you still have an outstanding balance you must pay.

Thanks for asking.

The “Ask Experian” team

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