Posts Tagged ‘ delete ’

Original delinquency date determines when repossession and collection account will be deleted

Dear Experian, I had a repossession in July 2006, but on my credit report it states date reported January 2013. A collection agency owns the account now. When will it be removed from my history? Is it based on the date of initial delinquency or the date reported? - TMF

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Authorized user’s credit scores could be hurt if mother doesn’t pay

Dear Experian, I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit? - SHN

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“Short sales” usually deleted 7 years from the mortgage’s first late payment

Dear Experian, How long is a short sale on your credit report? We did a short sale in December 2010, and it is still on our credit report. - SPG

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Closed accounts will remain in credit history for up to 10 years

Dear Experian, How do I have old credit card accounts that are long ago closed or paid off removed from my credit report? I know that my score is negatively affected because of so many "open" accounts! - EDC

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An account update by your creditor will not change when it is deleted

Dear Experian, If a negative item is past seven years on my report and the creditor updates it, will it ever come off my report? - JCP

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Collection efforts can continue after the account is removed from your credit report

Dear Experian, Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me? - LVM

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How disputed information is updated with other credit reporting agencies

Dear Experian, If one credit agency deletes a record because my dispute was favorable; how does that get reported to the other agencies, or does it? Do I send a copy of the result of investigation to the others so they can remove the unfavorable item? - KVI

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Divorce decree does not remove joint accounts from your credit history

Dear Experian, I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report? - JLH

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Collection account and charged off account for same debt in credit report

Dear Experian, If an account is "charged off" and sold to collection agency, how can both accounts be used against you? My credit report shows two negative accounts. I owed $1,900, but now one account shows the original amount owed and a separate account shows $2,300 owed to a collection agency. Will both accounts stay on my report for seven years? The original account was four years ago, but the collection is only three months old. - VNW

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Company suing after account deleted from credit report

Dear Experian, Last year, I disputed an account with you and the other CRAs. About a month after the dispute, you and the other CRAs deleted that item off my credit reports. Now the company that placed that erroneous account is attempting to sue me. Can I request a document from you and the other CRAs validating that the account was deleted? - AFG

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Deleting accounts because of permanent disability

Dear Experian, I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent disability. How can I go about having them removed from my report? - KEB

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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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Account reported as potentially negative after bankruptcy discharged

Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since the seven years was up, and my request was denied. They said it was because the account was brought current. How can that be? - GLD

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