Posts Tagged ‘ paid ’

Charged off student loans still in credit report after being paid in full

Dear Experian, 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? - MKD

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Using your credit report to compile a complete list of your creditors and debts

Dear Experian, How do I find out what I really owe and if any creditor will settle for less if I can pay off the balance? Can I get a list of all my creditors from you? - CYD

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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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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

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Paid student loans listed by semester won’t hurt credit

Dear Experian, I have student loans on my report with different amounts but the same account number. They are all under accounts in good standing. I think that they are repeated. They are listed nine times! I also have two other student loan accounts with the same account number but with a different company. I have consolidated my school loans twice so I'm assuming that they are from before I consolidated. Do all these hurt my credit? They are all paid/never late/closed, but I'm concerned it shows that I over extend myself. - AMS

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Time it will take to recover after paying a tax lien

Dear Experian, I am currently paying off a state tax lien. After the tax lien has been paid in full, how long will it take for my credit to be restored to good standing? - APM

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The impact of paying a collection account on credit scores

Dear Experian, Does settling a debt that is showing negative on my credit report as a "collection", get removed from my report as soon as it is paid? Does paying this debt help raise my credit score? - ONY

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Credit card paid in full but does not show zero balance

Dear Experian, I pay my credit cards off in full before the payment is due, yet my report shows a 60 percent utilization ratio. Why is this happening and how can I prevent this besides getting more available credit or not using my cards? - RBR

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Account reported as potentially negative after bankruptcy discharged

Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since the seven years was up, and my request was denied. They said it was because the account was brought current. How can that be? - GLD

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Defining “potentially negative, closed”

Dear Experian, Does "potentially negative, closed" mean the account was paid? - MLL

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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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