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It’s been over 8 years on my credit report

4 Comments »

1. 

   If it’s on the Trans Union report, there should be a reference # on the top right hand side. jot it down then call their customer service # 1-800-916-8800, then type in the reference member. That will transfer you to a live rep and explain the situation.

   Comment by stan c — July 17, 2011 @ 6:38 pm

2. 

   If it is over 7.5 years since you defaulted, you can dispute the entry with the credit bureau that is showing it.

   This guy above me has NO CLUE what on earth he is talking about. LOL

   Comment by Use Your Noodle — July 17, 2011 @ 6:38 pm

3. 

   well …is it true? did it happen? whats to dispute?

   people think that things go away after a certain amount of time cuz thats whay they’ve heard all along

   but alot of people dont know what they’re talking about either. there’s nothing in the rules that says

   the bureau or whomever has to discard the info in a time frame of less than ten years; it can stay there

   that long with out a problem. Your history after that is what they’ll look at to see how you’re donig since

   then or are you continuing in the same pattern as back then…min. payments/late paymets/slow to pay/too

   many charge cards open w/balances.

   You can contact the agency thats reporting it/carrying it on the records and you can tell them you object

   to tis being there still, but dont expect much to be done about it; even a bankruptcy stays on the books

   now for ten yrs/not seven like you’re used to hearing.

   Comment by Kerry — July 17, 2011 @ 6:38 pm

4. 

   Per the Fair Credit Reporting Act (Federal law) derogatory accounts show for 7-years from the date of first delinquency which works out to 7-years and 180-days. Nothing but nothing resets this time line.

   So, simply go to the web sites for the 3 credit bureaus and follow the disputing guide lines (dispute it as past the reporting time line) and it should be removed.

   The only things that go beyond this are chapter 7 bankruptcy;s, judgments and tax liens which show for 10-years. Judgments and tax liens can also be renewed.

   Good luck.

   Comment by SPIFIMAN1 — July 17, 2011 @ 6:38 pm

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