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coleysteph
Joined: 11 Apr 2007
coleysteph's page
Posts: 1
43 Magic Points
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Subject: public record collection item
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Wed Apr 11, 2007 2:57 am
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| how can you remove a public record collection item from your credit report if its been paid? |
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stanley
Moderator
Joined: 23 Feb 2007
stanley's page
Posts: 56
3357 Magic Points
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Wed Apr 11, 2007 10:27 am
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Once a negative item enters your report it is supposed to be there for 7 - 10 years. However, if you have paid it, you may ask the creditor to report it as "paid". What public record are you talking about exactly? Please share more with us.
_________________
Stan
BTW, I am not a lawyer, I am here to share what Life has taught me. |
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3rdpartycollector
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Subject: credit reporting
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Fri Apr 13, 2007 4:57 pm
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you can dispute the statement on your credit report. you may have to with all three major credit bureaus. also everyone is entitled to place a 150 word statement on their credit report. you can write just about anything you want on it and it will appear on your credit report, you'd have to ask each reporting agency how to go about that. you could probably dispute that mark with that 150 words.
typically though if you dispute it. they'll remove it within 30-90 days, if its paid and and the creditor has reported the paid date to the credit reporting agencies. |
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stanley
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Joined: 23 Feb 2007
stanley's page
Posts: 56
3357 Magic Points
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Mon Apr 16, 2007 11:05 am
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That's a good point from 3rdpartydebtcollector. Since we are talking about "Statement", let me share some more points about it.
Adding statements act like your own explanation, it can be of two types:
General statement applies to all the accounts in your credit report. This type of Statements stays on credit report for 2 years. Now, if all your negative items get removed from your credit file before 2 years, this statement alerts your future lenders about a negative past. So you should be careful while adding such Statement.
Account Specific statement is applicable for one particular account and it gets off with the account automatically. Account Specific statement can again be of two types:
The terms are self-explanatory. The first one is like adding the reasons that forced you to become late on an account or similar things. On the other hand, dispute type of statements is like contradicting the status of an account. Future lenders may ask you to show proof if you have any to establish your point.
One more thing: Credit report does not contain medical history. So care should be taken while adding statements, because these statements are visible to all who pull your credit report.
_________________
Stan
BTW, I am not a lawyer, I am here to share what Life has taught me. |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Tue Apr 17, 2007 1:08 pm
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I'm not sure you can remove a judgement. I believe it is placed on your credit report by Lexis Nexis, who search court documents and report to the credit bureaus. Have you had the judgement recorded as satisfied? If not, I'd contact the court clerk, and find out the exact steps you need to take to do so. I assume you'd have to send the creditor a form they'd need to fill out, and then it goes to the court.
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I don't dream since I quit sleeping |
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LibertyDollar
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Subject: ITS SAD
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Wed Mar 12, 2008 6:32 pm
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| It is sad how the entities you trust to protect you can damage you. We gave them permission to manage our Liberty, and what they do is enslave us with their rules and robe our freedom. A matter with one particular thing, can destroy your credibility for life and with other, not fair. There is so much going on and we are manipulated to see that they want us to see "NOTHING". You have to walk on thin Ice or you'll be destroyed. This problem ends with me and I will not pass it to my Kids and teach them how this system works. My advice is simple: Educate thy yourself.
This is how it works...
| Quote: | The way to remove public records is to challenge individual items, such as date discharged, amount, date of last activity etc. Dispute the individual information contained in the public record as being incomplete.
If there is nothing missing, first dispute the entire listing. If the report comes back as verified, then request the "method of verification".
The credit bureaus rarely provide the furnishers contact information because they don't want the consumer to realize that in most cases all they're doing is a computer verification and not a verbal one. When this information is not given in a reasonable and timely manner, pressure can then be put on the credit reporting agency to delete the account.
Demand that the credit bureau follow procedure and complete their dispute investigation within the 30 day allowed by law and if the account is verified that they submit the furnisher of informations complete name, address and phone number in the 15 days the law states them to do so.
Be strong. Be persistent. Put pressure on them to give you the proof required in a timely fashion provided by law or remove the account from your credit report.
I hope it works for you, it did for me ,just one agency will be hard to remove, I am still trying.
Knowledge is power, IT IS!
Blesses! |
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Richard
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Joined: 27 Jun 2006
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Posts: 126
4998 Magic Points
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Thu Mar 13, 2008 6:33 am
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Hi Liberty,
This is a good piece of information. I have stopped letting them manipulate my life.
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The more you learn the more you earn. Join our community and enhance your knowledge. |
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TH
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Subject: Account that is not mine
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Tue Mar 17, 2009 6:18 pm
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| I have an account on my credit report that says I owe money on. I have never received a bill from them. I have tried with the credit bureaus to remove it. The only thing they did was say the acct is disputed by the consumer. I asked them to verify the account but they said there were no verification documents were available. Any solutions? Thanks. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Wed Mar 18, 2009 10:35 am
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| You can send a DV letter to the creditor whose name appears in your report against the debt. If the creditor cannot validate the debt, you should send a copy of the receipt which you have received while sending the debt validation letter along with a dispute letter to the bureaus. Even if the bureaus do not remove it from your report, you can file a complaint against them to the FTC. |
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