I owe money to my bank and they are only giving me

I owe money to my bank and they are only giving me a certain amount of time to pay it off. I'm nt able to pay it all within the amount of time it will be sent 2 the chex(collection agency i guess) they told me it would be on my credit for 7-10 years. If i pay then will it earde it from my credit?

1 Answers

Usually negative items remain on your credit report for 7 years from the date of your first default. If you pay-off your debt in full, then your account status will be updated as “Paid-in-full”. You can make a written request to your bank to remove this negative item from your credit report after repaying the debts in full. But it depends on their discretion whether or not to accept your request.

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