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Natalie | After you pay off a debt that's in your credit report, how long after is it removed from the credit report? |
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joecseko
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If the debt is paid it should be the next time the creditor reports to the bureau.It only takes 7 years for it to be removed if it remains unpaid.Contact the original creditor or the collection agency.Tell them you will sue if they do not remove it(only if you've paid).Dispute it with the credit bureau as well.If it's by a collection agency it may be on all 3 bureaus.A late payment will remain on there even when paid.Please don't let this question go to a vote because all of the answers that say 1,2,7 years are wrong.The creditor has to update information according to the FCRA.If it's paid in full and not a line of credit with revolving payments,they must remove it at yours or the bureaus request.
Edit:I just checked my report this morning and ALL of the negative information is gone(the insurace was finally submitted properly)because the creditor was paid in full on 09/24.That was just a few days.I had told the collection company that anything but deletion would be unacceptable. |
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echo
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If you requested total deletion upon payment, it should be deleted pretty fast. Generally in a month or so.
If you did not request total deletion, it is up to them to decide if "they" want to delete it or not. Usually they "do not" delete it.
If they do not delete, it will remain for the original amount of time. For example, if it was a credit card debt that you paid, it will remain on your reports for 7 years from the first time you became 30 days late and never brought the account current leading to the charge off.
If you failed to request deletion when you paid the debt, you can always request it now, but you would be at their mercy since you no longer have any leverage.
Always do things by mail, sent certified mail return receipt. Create a papertrail.
If you try and deal with them by phone, you will have no proof of any deals that they make with you.
You can also try disputing the account with the credit bureaus. |
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Tim P
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There are agencies or the agency you paid off will remove it upon request is the fastest way. |
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Lianne
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It depends on the nature of the debt, click here to see how long different forms of debt stay on your credit report http://finance-girl.blogspot.com/2006/09/credit-report-timeline-most-of-us-have.html |
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Jim R
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7 years from the date it went delinquent. The problem is that paying off old debt will usually actually lower your score for a period of time as you now have a bad entry with a current update as opposed to one that is several years old. |
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GEE-GEE
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It will show a zero balance after 30 days but will stay on your credit anywhere between 3-6 years. |
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upfromnutin
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it depends on the company. some will say 5 to 7 years from the date it was first report deliquent. Call the credit company, experian, equifax, transunion and ask them. they are your best sources. they were able to tell me and sure they were removed when they said it would be. good luck |
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jan d
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7 yrs |
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Bruce B
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2-7 years. |
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master
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1 year |
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~~
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Usually 7 yrs or less. |
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