Posts Tagged ‘ date of first delinquency ’

Date an account is opened has no bearing on when an account is deleted

Dear Experian, I haven't paid my credit cards in four years. How long will it take them to be removed? I opened the accounts in 2007. - ANL

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Delinquent account will still remain on report once settled

Dear Experian, I recently paid a settlement on a delinquent account. I have the release letters and was told I can send them in directly in order to have the information removed from my credit report. Can you tell me how to do this? - KJF

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Paying off account will not restart the seven year time frame

Dear Experian, If a charged off credit card is about to drop off and I pay it off, can the creditor restart the seven year time frame on my report? Thank you. - PYR

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