CHARGE OFF AFTER 7 YEARS

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JENN
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Subject: CHARGE OFF AFTER 7 YEARS

Thu Oct 22, 2009 6:54 pm

Hi
I just recently got a divorce but 8 years ago (when I was still married) my husband and I got a furniture line of credit it went into collections and than a charge off. Its been about 7 1/2 years now. How can I get it deleted? Or can't I?

Justin

Justin

Joined: 17 Jul 2006
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Posts: 1093

25288 Magic Points

Fri Oct 23, 2009 5:49 am

Hi Jenn,

Yes, you can get it removed. It is supposed to fall of from your credit report after 7 years like any other negative item does. However, I think you can dispute it with the credit bureau through a dispute letter . Following this, the item should get removed.
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All the Best Smile

Justin

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