Posts Tagged "remove"

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?


Paid account will not be deleted from your report immediately

Dear Experian,

How can an account I paid off and closed still be on my report? It has been there since 2008.


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?


Authorized user’s credit scores could be hurt if mother doesn’t pay

Dear Experian,

I am an authorized user on my mother’s account. Will it affect me if she misses payments? Will it hurt my credit?


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!


Being removed as a cosigner from children’s student loans

Dear Experian,

I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores?


Collection efforts can continue after the account is removed from your credit report

Dear Experian,

Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me?


Divorce decree does not remove joint accounts from your credit history

Dear Experian,

I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?


Collection account and charged off account for same debt in credit report

Dear Experian,

If an account is “charged off” and sold to collection agency, how can both accounts be used against you? My credit report shows two negative accounts. I owed $1,900, but now one account shows the original amount owed and a separate account shows $2,300 owed to a collection agency. Will both accounts stay on my report for seven years? The original account was four years ago, but the collection is only three months old.


Deleting accounts because of permanent disability

Dear Experian,

I was put on permanent disability between 2009 and 2010. I remember reading on some of my credit contracts that they would be dissolved in case of permanent disability. How can I go about having them removed from my report?


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