Posts Tagged "potentially negative"

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?


How long “past due” record remains in credit report

Dear Experian,

How long does a negative payment status of “Paid, Past due 30 days” remain on my credit report? The item in question occurred in March 2006, while I was out of the country. I would really like to get this one potentially negative item off of my credit report.


Payment history may cause “paid” account to be listed as “potentially negative”

Dear Experian,

I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item?


Delinquency cannot be removed after two years of on time payments

Dear Experian,

If payment has not been delinquent for two or more years can it be removed from potentially negative status?


Finding out what accounts are hurting your credit

Dear Experian,

How can I find out what accounts are hurting my credit?


Defining “potentially negative, closed”

Dear Experian,

Does “potentially negative, closed” mean the account was paid?


“Potentially negative” items listed on credit report

Dear Experian,

How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on my report? Can I remove it?


When paid off accounts are deleted

Dear Experian,

If I pay off a negative account on my credit report, will it be removed from my credit and raise my score or will it remain on there seven years and not change my score? How does this work?


Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.