I payed a delinquent phone bill four years ago. This is still making problems for my credit score. Can I write to the credit companies and ask them to remove it? Thanks!
2006-10-07 01:12:16 · 9 answers · asked by ak momma 2 in Business & Finance ➔ Credit
Yes you can. If you still have the proof that it was paid - the receipt, cancelled check then yes. I would start by calling the phone company and asking them why they still have that bill as unpaid when it was paid. It has to be the phone company who takes the charge off your credit report - since they put it on. Hound them every day until they get it taken care of.
2006-10-07 01:20:53 · answer #1 · answered by Anonymous · 0⤊ 1⤋
I just bought a house and had to go through this. I called the company that said that I had the delinquent account and asked them to send me a letter stating that the account was paid and that the delinquency should be expunged from my credit report. I sent the letter to the credit bureau and it was fixed. I believe my lender used something called a "Rapid Rescore" to get me a new score without the delinquency on it. My score shot up!
2006-10-07 02:22:40 · answer #2 · answered by dljackson97 1 · 0⤊ 0⤋
You can write all of the letters you want but it is going to stay on your credit for 7 years. It is going to show as paid but it was a bad account so it is going to stay on your credit report, just the good stuff is not all that is in your credit report. If it is still showing that you owe the than yes get a letter from the creditor and send it to each reporting agency and they will take it off.
2006-10-07 05:31:20 · answer #3 · answered by rimoneyman 2 · 0⤊ 0⤋
It is not going to work. You made a mistake by paying them off. The record is going to stay for another 3 years - total 7 years...If you didn't pay them a penny for 4 years, you may not need to pay them at all...check statue limitation in your state...they ruined your credit any way for 7 years no matter of what...I would pay them nothing and wait for 7 years over...start a new life...
2006-10-09 14:48:43 · answer #4 · answered by Mimi 4 · 0⤊ 0⤋
You can, but they're NOT going to do it! Legitimate adverse information stays on your credit record for 7 years. There's no way out of that. Sorry.
2006-10-07 03:38:59 · answer #5 · answered by Bostonian In MO 7 · 0⤊ 0⤋
You can not get it off.But it will disappear in 7 years.So you have 3 years left.A negative is there for 7 years,a repo is there 10 years.Bankrup 10 years.
2006-10-09 10:35:14 · answer #6 · answered by George K 6 · 0⤊ 0⤋
yes, write them.
2006-10-07 08:46:55 · answer #7 · answered by amanda 3 · 0⤊ 0⤋
Yes you can.....and you should.
2006-10-07 01:36:55 · answer #8 · answered by R W 6 · 0⤊ 1⤋
yeah you can
2006-10-07 01:13:35 · answer #9 · answered by osunumberonefan 5 · 0⤊ 0⤋