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Initially, it's not possible unless the delinquency was placed there in error. If the delinquency was placed there correctly, then you PROBABLY have no other option than to wait 7 years from the date of the FIRST delinquency, before it went to collections. HOWEVER, calling the creditor has worked for some people, although once your balance or settlement has been paid, they have less incentive to work with you. Still, it's worth a shot. When you do this you MUST ask the creditor to send you a letter stating that your delinquency has been removed from your report. This is important because you need this letter to submit to the three Credit Bureaus (TransUnion, Equifax, and Experian) so that it's official that your report has been adjusted accordingly. I hope this helps you.
Good Luck!
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∙ 16y ago
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What is the consequence of having the credit delinquency on your credit report?
It will be harder to get any loans, credit cards or a mortgage as your credit history has not been good.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
How long does delinquency stay on credit file?
Generally they can pursue/report for 7 yrs on a debt that is unpaid.
What does the acronym DFD stand for in an Equifax credit report?
The information I found states Date of First Delinquency.
Does a bankruptcy remove the crediters from your credit report?
No, the information remains on your credit report.
Does LATE and Delinquency in Credit report mean the same?
Yes.
What is the consequence of having the credit delinquency on your credit report?
It will be harder to get any loans, credit cards or a mortgage as your credit history has not been good.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
How long can a charged off debt stay on your credit report?
7 years from the date of first delinquency
How long does delinquency stay on credit file?
Generally they can pursue/report for 7 yrs on a debt that is unpaid.
What does the acronym DFD stand for in an Equifax credit report?
The information I found states Date of First Delinquency.
Does a bankruptcy remove the crediters from your credit report?
No, the information remains on your credit report.
If you pay a medical bill that is reported as a delinquency on your credit report and the bill is less than 100 does it still show on your report for 7 years?
It shoulden't.
How long does a foreclosure stay on your credit report and affect it?
7 years + 180 days from date of first delinquency.
Can creditors remove their accounts from your credit report?
no, it should stay on your credit report for life.
How do you remove lien from credit report?
How can I get a lien removed from my credit report what is the statute of limitation law?
If a US creditor is not reporting a credit card to the three major credit bureaus because of a foreign address will delinquency in payment also stay off of one's credit report?
ANSWER That is correct. If the creditor is not reporting to the major bureaus there is no report... good or bad.
