credit report years
credit report years
How can you have something removed from your credit report, from years agao that is of course?
I have something on my credit report that was not so good but it was many years ago. Like in the early 90’s. How can this be removed?
I wonder why everyone has missed the obvious answer here!
According to the Fair Credit Reporting Act, negative listings can only be placed on your report for 7 years, beginning on the date of the delinquency.
If it’s still on your report, the creditor either “re-aged” the listing, or someone messed up and hasn’t removed it.
“Re-Aging” is when a collection agency gets your account, and places a later date on it. They may use the “charge off” date, or a date of last activity, or even simply lie just to keep it on your records.
This practice is illegal and you can sue them if you have proof and records on your account.
To remove the listing, send the credit bureau a dispute letter. Also send the creditor a letter demanding that they “validate” the listing. Be sure to word it that way! “Validate” means they must supply you with contracts, bills, receipts, and everything they the used to calculate what they claim you owe. Without this information, they can’t prove your debt, and can’t legally place a listing on your credit report.
If they don’t cooperate, sue them in small claims court. I’ve done it, it’s easy! Don’t let them push you around.
Read the Fair Credit Reporting Act for more info. Or contact me for more help.
If the debt is really this old you should have no problem getting it removed.
