Don’t be surprised if a credit bureau re-inserts an item that was deleted due to a dispute. They must however, notify in writing if the disputed item has been put back on your reports.
Multiple charge-offs on a credit report will destroy a credit score unless you take action. Get strategies to remove multiple charges and improve credit scores.
Some credit disputes can actually cause a drop in scores because the last date of activity is updated. Old negatives that are disputed can appear more recent if the date last reported is current.
Checking account overdrafts can lead to a charge-off on credit reports. But a pay for delete offer can remove a charge-off if the bank agrees.
Medical debt collectors looking to collect on older accounts often don’t have any documentation to prove you owe the debt. It’s important to challenge medical collection accounts. If you want to pay, contact the original medical provider.
Thinking about paying a collection account? Your credit scores may not improve unless you get the collection account deleted with a pay for delete agreement.
A Verizon Wireless account charge-off can occur even if a deposit was applied to the unpaid account balance and the early termination fee.
When you reinstate a loan due to car repo, the derogatory marks remain on credit reports that’s why these steps to rebuild credit after car repo are necessary
Creditors can choose when to report a charge-off but the remove date of charge offs does not change. It is 7.5 years from the date of last payment.
It’s great when a public record is deleted from credit reports but Experian can re-insert a public record without 5-day notice if no dispute was involved.