2 years ago, we paid off a couple of bills that were hurting us on our credit history report and still when we go to get a loan, they are still there. what do we do about this.
2007-03-18 12:16:50 · 3 answers · asked by cassi_owenby 2 in Business & Finance ➔ Credit
Get a copy of your credit report if you haven't done so already.
You are entitled to one free each year from the "big three" credit reporting companies.
https://www.annualcreditreport.com/cra/i...
Then dispute it on each credit report to the credit reporting companies themselves.
By law, if the creditor doesn't respond with validation within a certain amount of time (I believe 30 days) you get it removed from your report.
It's always good to write a dispute to the creditor directly also, but my experience is that it never gets taken care of.
Whenever I inquired about it, they never received it.
That is why sometimes certified mail comes in handy.
Good Luck!
2007-03-18 12:35:13 · answer #1 · answered by Kari 4 · 0⤊ 0⤋
The item will still show on your report for 7 years since the reported date. It will show paid though, which has a better effect than unpaid.
2007-03-18 14:16:17 · answer #2 · answered by Mariposa 7 · 0⤊ 0⤋
information can stay on your credit report for as long as seven years. You can try submitting a request to the reporting agency to investigate the matter
2007-03-18 12:29:38 · answer #3 · answered by sharon h 1 · 0⤊ 0⤋