SPIFIMAN1
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Delinquent accounts show for 7-years from the date of first delinquency which works out to 7-years and 180-days. |
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M H
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I thought it took 7 years. |
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Dave W
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Stays on the credit record for 7 years. |
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Steveo
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They stay for 7 years. So you have 3 years to go. |
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bdancer222
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Negatives remain on your credit report for 7 years and 180 days from the date of delinquency. If the item is more than 7 years old, dispute it with the credit bureau as being beyond the reporting period.
Bankruptcy and other public record items stay on your report for 10 years. |
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kevin h
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Just because something is discharged, doesn't mean it clears off your credit report. If I were you, I would pay the debt. If the debt has been paid in full, than you need to write the credit bureaus. All of them. |
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AdamKadmon
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Sometimes you have to WRITE THEM and ask them to remove information. Remember, they aren't just doing YOUR credit report, their doing everyones. So, yours may not be up-to-date because they haven't kept it current. |
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Rikitikitavi
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It takes 7 years for these agencies to remove any credit from your report. A common trick some of these agancies will do,is right before it is to be removed,they will sell the account to another agency and that agency can keep it on your credit report for another 7 yrs |
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oklatom
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Both it, and the discharge from it, will appear until 7 years have passed. Bankruptcy will show up for 14 years. |
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HOMITA DEL VALLE
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i think it has to be 7 years before any bad credit gets erased from your credit history |
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Feivel JPAA
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There could be lots of reasons. First of all different states have different guidelines for how long something can be on your credit. Also, a bankruptcy (you used the word discharged so I was not sure if that is what you meant) stays on for the legal time it can, as a bankruptcy. It is also possible the credit bureau or the original creditor made a mistake. You can dispute it with the creditor and/or collection agency AND with the credit reporting bureau's. Equifax, Transunion and Experien all have dispute processes however just because they remove it does not mean the collection agnecy cannot keep trying to collect on it.
You can go online and find the collection laws regarding your state and see if it really should be clear.
Also know that if you settled or paid a bill to the collection agency they will not remove it but simply report it is paid inf ull or settled in full which still brings down your score.
My advice is to send a registered letter to the collection agency and ask for records of the debt etc (if it is showing as unpaid). If they cannot provide these, they must delete it from your credit. |
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doug b
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depends on were you are and other items like amount and who you owed,could stay for 7 to 14 years especially if its not the first one |
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Daphnie J
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The statute of limitations is 7 years according to the FCRA. Do a search on fair credit reporting act to get a greater understanding in detail. |
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wendy.bryan
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write all the credit tracking companies and send them copies of documentation showing your credit is OK. sometimes they mess up and then the onus is on you to clear things up. |
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krowtap
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Have you called them to see if they will update your credit report? I had a casual conversation several years ago with a guy who once worked for one of those credit agencies. He said just keep calling them and harassing them, they will get tired of fielding the calls, and make the change whether your information is true or not. Another faster, but more expensive way, is get a lawyer to lean on them. |
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Mom of 2 great boys
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It stays on your credit for 8-10yrs. |
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Support ♥Kym♥
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Call them and they'll remove it if it's not supposed to be on there. |
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