Posts Tagged ‘ original delinquency date ’

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[ READ MORE ]

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 [ READ MORE ]

How to determine an account’s original delinquency date

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

“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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]