HELP!!!!!!

[NisiB1]

I recently pulled a credit report from AnnualCreditReport.com. I have things that I have paid and they are still on my credit report. Aren't charge-off accounts supposed to come off after 7 years?

[94B]

Originally Posted by NisiB1

I recently pulled a credit report from AnnualCreditReport.com. I have things that I have paid and they are still on my credit report.

Did you get something in writing stating they would delete the accounts from your credit report once you paid?? If not, then they will remain and show as paid collection/charge off. Your best bet is too do the basics of credit repair(i.e. remove old addresses, name variation.etc from the personal section of your CR and opt out), then dispute the accounts with the CRA's.

Also, if you dispute using the annual credit report, the CRA's are allowed 45 days to investigate instead of 30 days(if you're using credit report bought directly from the individual CRA's).

Originally Posted by NisiB1

Aren't charge-off accounts supposed to come off after 7 years?

7 years from the DOFD(date of first delinquency) with the OC(original creditor).

[trinity]

Your best bet is too do the basics of credit repair(i.e. remove old addresses, name variation.etc from the personal section of your CR and opt out), then dispute the accounts with the CRA's.



How do I remove my old addresses and name variations and from where? And what do you mean by opting out?

[94B]

Originally Posted by trinity

How do I remove my old addresses and name variations and from where?

Start by ordering actual hard copies of your reports from each separate credit bureau(EX, TU, EQ). Yes, I am suggesting you pay for them initially but there's a reason why that is important. If use the Free Annual Reports to dispute with the CRAs are allowed 45 days to process your disputes instead of 30 days, you don't want that. Also don't use the trimerge or 3 in 1 reports either they are usually missing pieces of data that you need.

Once you have the reports, then you can dispute old addresses, name variations, phone numbers, employer names off your reports. The less info they have on you the better. You can do this either by calling, going online to their website or disputing via mail. Most people initially try and remove these by calling.

Originally Posted by trinity

And what do you mean by opting out?

Here is a post by Shayne54 in the stickied thread titled "Beginner's Credit Information" that should answer your question regarding opting out and why its important.

http://aaacreditguide.com/forums/beg...thing-opt.html

[trinity]

awesome thanks!

[trinity]

one more thing I recently requested a credit report from experian using a free 7-day trial for their triple advantage program would this qualify as a "hard copy" or do I have to re request one and pay for it in order to only give them the 30 day period?

[94B]

Originally Posted by trinity

one more thing I recently requested a credit report from experian using a free 7-day trial for their triple advantage program would this qualify as a "hard copy" or do I have to re request one and pay for it in order to only give them the 30 day period?

Previous post:

Originally Posted by 94B

Start by ordering actual hard copies of your reports from each separate credit bureau(EX, TU, EQ). Yes, I am suggesting you pay for them initially

[CreditCrisis]

does anyone know how the CRA verifies an address on file?

[scorch]

Originally Posted by CreditCrisis

does anyone know how the CRA verifies an address on file?

When verifying anything, they are supposed to contact the source of where the information came from.

[JPolito830]

Originally Posted by CreditCrisis

does anyone know how the CRA verifies an address on file?

By trying to reach the original source of the address.