Posts Tagged ‘ original delinquency date ’

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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Collection accounts are not removed immediately after being paid in full

Dear Experian, If you have a derogatory record on your credit report from a collection agency and you pay off the debt in full, will the debt be taken off of your report sooner? Or do you still have to wait the seven years? - MSK

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Collection accounts for repossessed car will show in credit report

Dear Experian, If you have had a vehicle repossessed, will it stay on your credit if the creditor keeps selling the papers to different creditors? - JNB

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When negative information will be removed from your credit report

Dear Experian, If the account status information says the item will be moved from negative to positive on a certain date, what determines when and why that happens? - AJH

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Collection agency can try to recover 10-year-old debt

Dear Experian, My son has an account that was delinquent and charged off over 10 years ago. Yet, this evening we received a call from a credit agency looking for him regarding this debt. This is ridiculous! They said that they can continue to try to contact him no matter what. This debt is over 10 years old. What rights does my son have? - NES

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Why an original account and collection account both appear on your credit report for the same debt

Dear Experian, How can an item be on your credit twice, once under the original credit grantor and then under a collection agency? How does this affect the deletion date? - NTK

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Time limits for collection agencies to collect a debt

Dear Experian, What is the time frame that collections agencies can go after their money? - TRA

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The difference between “closed” and “paid in full”

Dear Experian, Some of my accounts that are paid in full show “closed” instead of “paid in full.” Does this hurt my credit rating? If my account is paid in full but did have delinquent payments throughout the term of the loan, can it be deleted seven years from the original delinquency date? - OGG […]

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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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Medical collection accounts and your credit report

Dear Experian, Can a collection agency sell your medical debt to another collection agency in order to keep it on your credit report when it's coming close to the seven year mark? - BTL

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How to determine an account’s original delinquency date

Dear Experian, How do you find out the original delinquency date of an account? - KYN

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“New” collection account will be deleted at the same time as original account

Dear Experian, Is it legal for a collection agency to submit an account that they buy from a creditor as "new" even though that same account before it was purchased from the original creditor by the collection agency was two, three four years old? What can the consumer do to combat that practice in order to clear his or her credit? - ALJ

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Charged off account cannot be reported after seven years

Dear Experian, Can a charge off be reported after seven years if it is sold to another company? - YAY

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Student loan delinquencies are reported in the same way as other accounts

Dear Experian, Can you tell me how long late payments on a student loan are reported on my credit report? - RNT

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Paid negative accounts are not deleted immediately

Dear Experian, If I paid some negative outstanding credit off last year, how can I get those off of my credit report? - YNC

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Status line describes when information will be deleted

Dear Experian, On the credit report, the account status details say, "This account is scheduled to continue on record until July 2010." This is July 2010. Does that mean July 31, 2010? After July, will this item fall off of my report? - RIE

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Date opened nor date closed affect when account is deleted

Dear Experian, My credit report shows delinquencies on very old accounts from when I was laid off and unemployed for 18 months. All repayments were arranged between myself and the lender and repaid as agreed. How long before these come off my credit report? Is it from the date closed or opened? - WTR

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Debts older than seven years should not return to your credit report

Dear Experian, Can a creditor remove a debt after seven years and then sell the debt and place it back on your credit report? - KSE

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How long before information is completely removed from your credit report

Dear Experian, How long does it take to have something completely taken off your credit report and boost your credit once paid off? - ADA

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