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Established Member
mstrey12
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
sl
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
FICO_Focused
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... :smileyhappy:
 
Rob
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Bounced checks??

Regular Contributor
CreditHawk
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
mstrey12
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.

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