i have paid all of my accounts on my credit reports and they have yet to be removed or even show as paid?

Question

i have all reciepts and communications between debtors i just want them marked as paid at least

Answer 1

Look at the 'date of report' on the account. It could be an old one that just hasn't been updated yet. Paying an account doesn't remove it from your credit report. It stays on for about 7 years. You can speak with or write to the companies to see when they may be reporting your account as paid.
If you are considering disputing your accounts through the credit bureau, here's how that works: The bureau receives your request and it is then forwarded to the creditor who has your debt for verification. If they have reported it accurately as of the "reported date" that is listed on your account, the dispute will be returned as "accurate." If there are errors, they can be corrected. Make sure you have the correct dispute code/terms on the request or the creditors may not look at the parts you want fixed. I know that most credit reports are only updated on a monthly basis.
This is part of my job right now. I deal with the disputed credit reporting on our loans. I get requests from people all the time who claim that the debt is supposed to be deleted because it is paid off. Unfortunately, that's not the case.
If your credit report has not been updated within the next 30 days, I would recommend contacting your creditors and asking nicely for them to submit an update. Good luck!

Answer 2

The creditors are not obligated to updated their records inmediately. Usually they do it once every month. If you paid a collection, it doesn't mean that it's going to dissapear, it just will say: Paid collection, or account settled. They are going to be in your credit report for 7 years (depends of the State). I have 2 credit cards with Sears and they haven't update the balance in 6 months.

Answer 3

Credit reports are not just for open unpaid accounts. If that were the case, few people would have much of a credit history. When you open an account that you are responsible to make payments on, it gets on your credit report and stays there for about 15 years after the account has closed, if not longer.

Answer 4

It wont clear your history
The clock on the credit reports lasting 7 years restarted the day you finished paying they back
I sure hope you weren't too close to the 7 years for having them drop off your report.. naturally

Answer 5

It should only take 60 days for it to show up, but in the real world its closer to 90 days!!! remember credit report companies are fast in putting stuff on your report, but very slow removing it!

Answer 6

it takes 7 years from the date u paid in full

Answer 7

Don't panic, just don't lose your receipts. The computers are probably set up to do certain things on certain days of the month, so it might not show up until 1 month after you have paid it.

Answer 8

i have were given one from a similar real series corporation, also a library superb. that's the finest of the unfavourable tradelines I actually have on my record. after I researched them, i got here across that assistance to eliminate them is to bypass on to the library and get them to comply with call off the series corporation in replace for fee. unique nationwide seems to in undemanding words be there to do the credit bureau reporting, seeing as how unique not in any respect seems to make series tries and always refers you back to the library to handle the fines. basically get it in writing.

Answer 9

send them a copy of acknowledgment from the creditor and mail to the three reporting agencies( equifax). that should clear your history.

Answer 10

if it has been 7yrs from the date your creditors report then to the credit bureau,... despute them with the credit bureau instead of the creditors.
if less...annoy your creditor by calling them everyday.