Need help getting rid of blemishes on credit report!
Date: Fri, 09/21/2007 - 14:19
Now...
I'm on my way to cleaning up my credit report, but I have few questions first. *I reside in IL* Ok, so the whole 7 year rule of it staying on your credit report ~ is it 7 years from the DATE OPEN or DATE CLOSED?? If it's 7 years from the date open then there are quite a few blemishes..
If you have an account that has been open for 7 years and it includes late payments, BUT it's paid off, can I dispute that?
Thank you for all your help!!! :P
I think the 7 years starts from the date of the late payment...
I think the 7 years starts from the date of the late payment... so say u got the card in Jan of 07 but made timely payments until August of 07 this will stay on ur report until August of 2014. Now this is the way i understand it... So correct me if i'm wrong anyone!
Also u can dispute anything on ur credit report and a lot of times if it has been paid off in full the CA's won't even bother responding to the bureau so it's taken off!
Good Luck on ur journey!
Ang
Also u can dispute anything on ur credit report and a lot of tim
Also u can dispute anything on ur credit report and a lot of times if it has been paid off in full the CA's won't even bother responding to the bureau so it's taken off!
I am planning on disputig the inaccurate items. My qustion ~ is it best to send to the letter to the Credit Bureaus or the creditor/collection agency?
I would personally send it to the credit bureau first... also, u
I would personally send it to the credit bureau first... also, u can get a copy of ur credit report online and also dispute it there... U get one free view per year but i pay 15 bux a month to have true credit monitor my reports so any time anything changes they immediately notify me via email. It's worked out really good for me so far!
Much luck again,
Ang
Another thing, I had a Victoria's Secret card and I called them
Another thing, I had a Victoria's Secret card and I called them a little bit ago and they said the account is closed. HOWEVER, it shows that it's open on my credit report.. Do I dispute that?? It shows up on all 3 bureaus.
Is it showing up negatively? Experian ~ Ok Equifax ~ ND Tr
Is it showing up negatively?
Experian ~ Ok
Equifax ~ ND
TransUnion ~ Ok
Well if u have lots of stuff on ur report and want it off then y
Well if u have lots of stuff on ur report and want it off then yes dispute it. If it's not negativly affecting it then i don't see why ud want too but that's just me and i'm NO credit expert! lol
If u want it off then dispute it!
:D
Ang
My main question is regarding this one, Why does it show open on
My main question is regarding this one, Why does it show open on the Credit Report when it's closed?? Does it really matter??
How long has it been closed? I know most only report to bureau's
How long has it been closed? I know most only report to bureau's once a month so if it's recent then they may not have had time to show it as closed yet... If it's been a while then i have NO clue! ha ha
I'm giving u advice here as best i know but to be honest sometimes the credit reports confuse the heck outta me also!
Good Luck,
Ang
Ok first the sol for reporting is controlled by federal law,spec
Ok first the sol for reporting is controlled by federal law,specifically the fair credit reporting act. If an account is positive I would not dispute it with the credit bureau because of the chance of losing it for good.For positive accounts with inaccurate information,send a letter to the original creditor asking them to report the account properly.In your letter explain why it is reporting wrong.Sol for credit reports always goes from date of first delinquency for negative accounts.
