Can this be done and could you please tell how?

I want to remove a negative item from my credit report. It was paid in full and closed in the year 2004. Can this be done and could you please tell how?

4 Answers

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It will be difficult. The creditor is not obligated to remove the item from your credit report.


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The negative items are supposed to stay on your credit report for 7 years, after which it is supposed to fall off your credit reports. So, as this has not happened, it would be better for you to send a dispute letter to the credit bureaus. Send along copy of proof of the payment made in 2004.


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Draft a letter to the credit bureau mentioning that the negative item didn't drop off your credit report. Wait for the action to be taken by them.


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Usually, the negative items remain on your credit report for 7 years from the date of your first default. After 7 years, the negative items automatically get removed from your credit report. However, if you find that it still exists on your credit report, talk with the credit bureaus - Experian, Transuion and Equifax.


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