SPIFIMAN1
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There are two time lines one is the S.O.L. that you mention and the other is the 7-years from the date of first delinquency for derogatory accounts to remain on your credit report as required by the F.C.R.A.
Just because a account has passed the S.O.L. does not mean that it can be removed from your report if it's not past the 7-year mark.
If you have accounts that are past the 7-year mark and are still showing simply dispute them with all three credit bureaus and they should be removed. |
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XoxoxoxoX
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What is the statute of limits that you are talking about? I am sure those three credit reporting agencies are pretty on top of any time limits. Any closed accounts stay on your credit reports for 7 years, Bankruptcy stays for 10 years, and any late payments or miss payments also stay there for 7 years (from the VERY LAST late or missed payments). If you have all those correct time limits, then write to the credit reporting agencies to dispute them. Make a copy of your letter before you mail it out. They should respond within 90 days (I think is 90 days). |
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Pengy
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Just because they have reached the statute of limitations in collecting the debt that does not wipe them off your credit score that remains there for 7 years and no you cannot have them removed, and yes creditors or collectors can still bother you about them, and still take you to court to try and get a judgment and if you do not show up and show that it is SOL you can have judgment ruled against you and be made to pay them. |
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stephenweinstein
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The statute of limitations is a state law that determines whether the creditor can sue you. Credit reports are governed by a different time frame, which is found in federal law. If the item is negative, is not a bankruptcy, and is over 7 years old, contact the credit reporting agency (Experian, Equifax, or TransUnion). If it is a bankruptcy and is over 10 years old, contact the credit reporting agency (Experian, Equifax, or TransUnion). Unless something is inaccurate, you have to wait 7 years to have it removed, even if the statute of limitations expires sooner. |
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trkurbabe
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Order a copy of your report and with it comes a dispute report. Fill it out and send it back with a burden of proof of payment and they will remove whatever it is you are disputing. |
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kb89
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Once it goes on it and gets paid doesn't come off for 7 years |
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justpayindues
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equifax trans-union and experian are the three credit bureaus you will need to dispute this with them directly, you can access them on there respective web sites |
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kitkat_137
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contact the credit report agency and see what they require to have it removed. |
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Random Precision
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You can get a credit report and then call the credit agency and dispute any item on the report. If the company you are disputing doesn't respond it will be removed. This works pretty well and you can really clean up your credit report. You can dispute ANYTHING on your report. |
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OfficeMom
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I think you just provide proof of pay off, or documentation to the credit bureau
we have a local office close to our area. I have taken paperwork to them in the past |
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antdu
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First call. You can dispute over the phone.
Record everything. Write down dates, times and who spoke with. if they get it right, you will get an updated copy of your report in the mail.
I had my father listed as my spouse, my birthday a year off. My employment was a job that I have not worked at in over 5 years. I found 2 debts that were wrong. I wrote each company asking them to remove the item or provide proof of money owed. The money was not truly owed to them and they removed items. |
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Tired of Users
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Just write the credit bureau a letter with your request. They are required by law to follow thru. The addresses for disputes are in their web sites. |
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right on
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You have to go into your report which you can do once or twice a year free. Don't pay for it.
Contest it by writing it on the report. There is a place for it.
It will come off in 30 days because those who put it there never go back to see the contested note you put on.
there is a statute of limitations. Normally 7 years but all records are destroyed in 10... |
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curmudgeon
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write to the credit report company (but as far as I know, there is no statute of limitaitons on debt) |
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Elana
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"Statute of limitations"? You make it sound like a crime against the state.
In any case, you talk to the credit reporting agency (call 'em up). Its is completely up to their policy people whether or not to remove old entries.
Of course, if you haven't paid the person (that is, the loan is outstanding), they're not going to want to help you. |
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joyceeleann
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You write the company or the credit card and tell them you would like it to be removed from your credit report. If they will not do it on their own, ask them what steps you need to do to have it removed by their company |
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Grant Ray came on 12/8/08!
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You need to get ahold of the credit company that issued the report (example experian)(there are only 3) and also the company that issued the debt to have it removed. The only way they are going to remove this is if you have paid it or if you have filed bankruptcy on it. |
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foxychikcuminthrough
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it cost about 70 to 75 pounds i had it done there loads of companys have a peek on internet |
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