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mikeybillin

Joined: 09 Nov 2009
mikeybillin's page
Posts: 2

35 Magic Points

Subject: fixing my credit

Mon Nov 09, 2009 5:46 pm

i had chase gold mastercard i payed it off and close the account.
how do i get it off my credit report

debranewell2008

Joined: 10 Oct 2009
debranewell2008's page
Posts: 594

99 Magic Points

Mon Nov 09, 2009 7:23 pm

If it in good standing why would you want to? And that would be closing part of your credit history. How long has it been listed? Is it in good standing? We are probably going to need more information in order to help. Because I don't believe you can just remove something from your credit report unless enough time has past and then it should just fall off. Now if it's negative the creditor that put it there is the only one I know that can remove it.

cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Sun Jan 31, 2010 8:41 pm

in assuming that it is reporting negatively, there are a couple techniques

1. dispute
2. write to chase for records
3. complain to occ

this may work.
_________________
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 4285

127 Magic Points

Sun Jan 31, 2010 10:14 pm

hello and welcome. I would think if it were good I would leave it on there but if it is in fact a negative listing you should have asked for a pay for delte and got it in writing. This would have assured you that it would be removed once you paid off the account. I would now go ahead and dispute it. Most of the time once they get their money they do not mess with dealing with the account. If they do not respond to the dispute then it can be removed. Good luck.

cinnamngrl

Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455

6339 Magic Points

Sun Jan 31, 2010 10:25 pm

I have never heard of Chase doing PFD.
_________________
CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW

Justin

Justin

Joined: 17 Jul 2006
Justin's page
Posts: 1240

28942 Magic Points

Subject: fixing my credit

Mon Feb 01, 2010 8:03 am

Hi Mikey,

If anything regarding the account is reflecting any negative details then only you need to remove it from your credit report. So it depends what your report is showing. First get hold of a copy of your report and check the details. Then you may decide whether or not to remove it.

However if you need to remove the listing then you can either ask for a "pay for delete" from the creditor, else you can send a dispute letter to the credit bureaus. For any help regarding writing the letter you can refer to credit magic forum.
_________________
All the Best Smile

Justin

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