 Bad credit score! how do i get it back up? |
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 How Do I Repair Credit After 7 Years of Delinquency? How Long Does It Take? |
| I asked the question as part of my previous one, but I'm hoping ot get more responses please.... |
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| I had a provident loan of £400 (with interest it was around £600) I paid it for a bit now stopped it as I cant afford it. Its been over 2 years now and they are demanding the £450.00 left or take ... |
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 My sister used my credit card? What can I do? |
She owes about $15,000 and doesn't want to pay it. Is there anything I can do for her to pay it? Can I get the debt on her name?
I don't want to press charges because she is my sister ... |
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| I am 17 years old. I want to buy things online but my parents would allow me to get a credit card. Is there such a thing as a prepaid card? Where I pay money and that money goes into the card. Is ... |
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 Help me understand mortgage refinancing? |
| We have about $30k in equity on our home, and currently have a 30 yr fixed at 6.9%. I'm not sure if refinancing will help or hurt us. My student loans are at 7.22, but I only owe another $3500,... |
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| I only wanted to use their trainer but i was told to sign a 3 yr contract to do so. I was told I can cancel within 30 days but then I was told it was too late. When I called, they said then told me ... |
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 How do i rebuild my credit? |
| I am trying to rebuild my credit and i cant even get a loan.. i posted on here but something happend.. somone told me to email this guy that gives out loeans but i dont know if i should do it.. i ... |
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| I have a couple of credit card charge offs. How can I start to rebuild my credit? should I make a settlement on those credit cards, or should I pay off the entire balance? How will each affect my ... |
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i keep seeing offers for them and i wanted to know if its like a regular credit card except u can add $
i am planning a trip and need to rent a car and i know most rental places only takes ... |
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 How much credit can I have? I have a $42k auto loan, income of $95k annual.? |
| I also pay mortgage, around $2300/mo, around $860/mo for the car. Income is $95k/yr and about $8k/mo. I know that lenders tend to have a limit of some percentage of your income allowable to be used ... |
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 How do I get rid of a new, un-activated card? |
I applied for a credit card last week, and it arrived in the mail today, but circumstances changed, and I no longer want it.
It still has the sticker on it that says to call the number in ... |
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 Bad debt written off? |
| I had a discussion with someone who said that companies will write off bad debt after 5 years of trying to recover it, i disagree, does anyone know the actual facts about this?... |
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| How can I start my credit? I just turned 18.? |
| I just turned 18 and im in college, and I have applied for student visas, discover, and american express cards, but have been denied because i have no credit. isnt that what the student card is for? ... |
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devdas | How to get items removed from your credit report if they have been on for 7 years or more? |
Don't the creditors have to remove items that have been on 7 years or more? |
 |
 
OC1999
|
It depends on what you want removed?
Open accounts will not be removed.
If it is a positive closed account, that is one that you were not late on or is paid off and was current, you DO NOT want to remove that at all. This is a good thing and helps you with the length of your credit history.
If it is negative information then the negative item will be removed 7 years from the date it occured. So if you had a late payment on 1/2000 the late payment will be removed on 2/2007. If you had a Charge-Off the account will be removed 7 years from the date of last delinquency.
The exception to this is a Chapter 7 Bankruptcy which remains on your record for 10 years from date of Filing. Tax Liens remain on your report for 15 years unless they are renewed.
If you have items that should be removed then you need to send a dispute to each of the Credit Reporting Agencies that have the incorrect information. They will investigate and if it should be removed they will remove it. |
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Patrick
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Yep you'll need to write to the credit reporting agencies and have them remove those accounts. |
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The Oracle
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yes they do. Contact the company you received your report from and file a request for removal. Normally, their websits will have a link to the proper form. |
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voodoo
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Send a letter to the credit agency to have it removed from your report |
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aymscorpio74
 |
You will need to send a letter to the credit agency requesting the removal of certain accounts from your credit. They will not do it automatically. |
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beauty s
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no.. its has to be paid in full first |
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Thomas V
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A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you've applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the Statute Of Limitations runs out, whichever is longer. |
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bullet b
 |
suppose to unless they changed the law. |
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morningmud
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Once reported, it stays for 7 yrs but the creditors can continue reporting it. |
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TheMom
 |
You need to contct them and request that they do so. If the accounts are paid they should be willing to do it.
If you still owe them money it NEEDS (and will) to stay on your report so that people are warned prior to extending you credit.
The 7 years you are thinking of applies to law suits. They can't take you to court anymore, but they can try to collect as long as you are alive....and then from your estate after your death. |
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