Posts Tagged "original delinquency date"

Paid auto loan remains on credit report

Dear Experian,

When checking my credit report, I noticed that my old auto loan was still on the report. I had received a letter from them months ago saying the account was paid in full. How do I go about disputing this?


Date an account is opened has no bearing on when an account is deleted

Dear Experian,

I haven’t paid my credit cards in four years. How long will it take them to be removed? I opened the accounts in 2007.


Delinquent account will still remain on report once settled

Dear Experian,

I recently paid a settlement on a delinquent account. I have the release letters and was told I can send them in directly in order to have the information removed from my credit report. Can you tell me how to do this?


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?


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?


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?


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?


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?


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?


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?


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