What Can I Do To Have A Debit Removed That Is Still Showing On My Credit Report From 13 Years Ago?
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9 Responses to “What Can I Do To Have A Debit Removed That Is Still Showing On My Credit Report From 13 Years Ago?”
Comment from Steve
Time July 22, 2009 at 1:19 am
Contact the credit bureaus and dispute it. The FCRA only allows for this type of thing to show on your credit report for 7 years *from the last activity on the account*. The credit bureaus will require the creditor to provide proof, in writing, of the debt within 30 days. More often than not, that will be all you’ll need to do.
However, sometimes, collection agencies will (illegally) “re-age” something to keep it active on the report, or they’ll call you weeks before the statute of limitations expires and try to get you to agree to a token payment to start the clock ticking again. If you’re anywhere near the limit on these types of things, it’s better to not even acknowledge that the debt is yours.
Comment from Labeshop
Time July 22, 2009 at 5:01 am
You should be able to get it removed (and any that are more than 7 years old) automatically by contacting each of the credit bureaus (equifax, etc). It depends on if there was any activity on it recently though (some creditors will keep it active for years).
Equifax has a lot of helpful info on disputing a charge at http://www.equifax.com/answers/correct-c…
Comment from Heiress
Time July 22, 2009 at 5:07 am
All you need to do is contact the credit report agency that the debt is listed on (Equifax, Experian, or TransUnion.) You need to write them a letter and request that they remove the information off of your credit report.
Comment from CreditRe
Time July 22, 2009 at 8:18 am
Just dispute it with all 3 bureaus. They have to remove it because according to the FAIR CREDIT REPORTING ACT, after the 7 year mark it has to fall off.
I remove negative items from people credit reports.
http://www.creditrepairxperts.services.office…
Hope this could be of great service!
Comment from Hayden’s Mommy
Time July 22, 2009 at 2:09 pm
Everyone is right so far! Contact the credit bureau and make sure you get a credit report after it’s “supposedly” done. You want to make sure they actually removed it.
Comment from Steve D
Time July 22, 2009 at 6:22 pm
You need to contact the credit bureau and dispute the report due to age. It is supposed to come out of your credit report after 7 years from last activity.
Comment from travelma
Time July 23, 2009 at 12:37 am
filed a dispute with the credit reporting angency
that is past the SOL so it shouild bee deleted
most all debts should fall off after 7 years
Comment from Ted
Time July 21, 2009 at 9:25 pm
DIspute the item following the procedure on the credit bureau’s web site. Remember, the seven years starts with when the account went into default, not with the original date.