What does “KD” mean, and how long does it stay on your record before being deleted?
Categories: Report Advice
I have three student loans from about 12 years ago that where charged off. I paid them off in full two years ago, yet they are still reporting on my credit report. They are being reported as paid in full; however, next to that it lists a loan amount and still shows a balance. The loan amount would be the original amount borrowed, but there must be a mistake since it shows a balance even though it states paid in full. Is this affecting my credit score? Should I get a letter stating paid in full from the lender and send it in to you?
Does debt consolidation for credit cards with high interest rates help your credit?
I am listed as an authorized user on two of my husband’s accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report?
What does “Key Derogatory” mean?
With the declining value of property, sellers are caught in the position of having to short sale on properties for which the sellers are not delinquent. How does a short sale in which a person has never been delinquent report?
I have a couple of accounts that were purchased by another lender or collection agency. I have paid them off and they do show closed, but they still show a balance. Is this negative? Should I dispute?
If an account is paid off/closed, settled, or charged off, why would it still be showing as potentially negative? Is there any way to get these removed so they no longer affect me negatively?