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Removing items from a credit report

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ssjng4

Joined: 06 Dec 2007
ssjng4's page
Posts: 4

173 Magic Points

Subject: Removing items from a credit report

Thu Dec 06, 2007 2:12 am

I have several items on my credit report that have been paid off.... under status details it shows a date it is scheduled to fall off the report, can it be removed since nothing is due?

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Thu Dec 06, 2007 3:52 am

Welcome to the forum SSJNG

Yes they can be removed ssjng.

All you have to do is write a dispute letter to the credit bureaus especially the ones that are still reflecting the paid off accounts. Smile

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Laura.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1307
Location: Los Angeles, California

29555 Magic Points

Thu Dec 06, 2007 4:02 am

Do send in a dispute letter but you can also call up the creditor and put a request to remove the account from your report. You can do either way. All the best. Keep us informed and ofcourse...Welcome to the forum Smile

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Keep in touch
Carol

ssjng4

Joined: 06 Dec 2007
ssjng4's page
Posts: 4

173 Magic Points

Thu Dec 06, 2007 12:07 pm

thank you... can the account be removed if it is settled?

ssjng4

Joined: 06 Dec 2007
ssjng4's page
Posts: 4

173 Magic Points

Thu Dec 06, 2007 12:08 pm

thank you... can it still be removed if it was settled?

Niwrad

Joined: 06 Dec 2007
Niwrad's page
Posts: 6

395 Magic Points

Fri Dec 07, 2007 12:39 am

This is real helpful being someone who has a few paid off collection accounts. My question is in regards to disputing it. What exactly am I disputing when I write this letter? And do you find that the collection agency doesn't bother verifying it since it's already been paid?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Fri Dec 07, 2007 3:51 am

You are disputing what they have reported, in your case, (from your last post) You have satisfied your obligation and the judgement was withdrawn, so it should state that.
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