Posts Tagged "delete"

Entering payment plan will not “restart the clock” for removing charge off

Dear Experian,

I have a charge off from 2009. I am in a payment plan. Does this mean I started the clock over on when the charge off will be removed?

– EYJ

Paid account will not be deleted from your report immediately

Dear Experian,

How can an account I paid off and closed still be on my report? It has been there since 2008.

– CBH

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

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

“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

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

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

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

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

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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