Reply
Established Member
Posts: 10
Registered: ‎07-13-2007
0

Bounced checks??

I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's.  Do these stay on for 7 years as well?  Any way to remove them?
Established Contributor
Posts: 581
Registered: ‎04-11-2007
0

Re: Bounced checks??

If the checks are showing on your report, they will stay on for 7 years.
 
You can try a GW letter and see if that helps get them removed.
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: Bounced checks??



mstrey12 wrote:
I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's.  Do these stay on for 7 years as well?  Any way to remove them?


My guess is that it would be tough to validate a bounced check... Dispute, dispute, dispute... Smiley Happy
 
Rob
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Bounced checks??

Regular Contributor
Posts: 197
Registered: ‎06-08-2007
0

Re: Bounced checks??



mstrey12 wrote:
I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's. Do these stay on for 7 years as well? Any way to remove them?





If you've paid the checks, I'd sure try a goodwill letter. If you have NOT, then you shouldn't even attempt a goodwill letter. In fact, I'd be more worried about the recipient filing a "theft-by-check" charge against you in criminal court. That could lead to a warrant for your arrest and time in the pokey.

If I were in your shoes and those checks are unpaid, I'd be sending the recipient(s) a goodwill letter pleading for a payment plan. But, if you have indeed paid them, I'd ask for them to be removed from your credit reports.

Good luck to you.
Established Member
Posts: 10
Registered: ‎07-13-2007
0

Re: Bounced checks??

The checks were paid as soon as I heard from the collection agencies back in 2004 but have been lingering on my CR since then.  I sent them both GW letters almost 2 months ago but have heard nothing back and they're still on my report.  Guess I will try disputing them now.  Thanks for all the suggestions.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.