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When will things fall off of a credit report?

Established Member

When will things fall off of a credit report?

i have a collection from verizon with midland....when will it a fall off my credit report? How do I see that on the report I get my reports from MY fico?

 

Also late payments from 2006 when will they no longer affect me?

 

Any help or advice appreciated

 

Also anyone had any luck pdf with midland it would help to get that off my report?

 

Late payments to chase, bank of america who to I send good will letters to?

 

I live in the state of Ca

Message 1 of 4
3 REPLIES
Epic Contributor

Re: When will things fall off of a credit report?


greeneyes26 wrote:

i have a collection from verizon with midland....when will it a fall off my credit report? How do I see that on the report I get my reports from MY fico?

 

It will fall off 7 - 7.5 years from the DOFD.  Look for that on the CR.

 

Also late payments from 2006 when will they no longer affect me?

 

Each late payment falls off 7 years from the date of occurence.

 

Any help or advice appreciated

 

Also anyone had any luck pdf with midland it would help to get that off my report?

 

I have seen yes and nos with Midland.  I believe it will depend on how old the debt is.

 

Late payments to chase, bank of america who to I send good will letters to?

 

You can send them to anyone but someone higher up the food chain is better.

 

I live in the state of Ca


 

Message 2 of 4
Senior Contributor

Re: When will things fall off of a credit report?


greeneyes26 wrote:

i have a collection from verizon with midland....when will it a fall off my credit report? How do I see that on the report I get my reports from MY fico?

*To get the above info, go to the Free Report link in my sig block.  You are able to receive one free report from all 3 agencies every year by law.  This is that site. These have all the information you need.  Print them up & come back here with ??

 

Also late payments from 2006 when will they no longer affect me?

That will depend on DOFD. (another link in my sig is the abbreviations page.  Save it in your favorites.  It will come in handy here)

 

Any help or advice appreciated

Don't I know it!!!  Been there!!!!

 

Also anyone had any luck pdf with midland it would help to get that off my report?

How much do you owe???  Have you paid them anything?  How long have they reported?

 

Late payments to chase, bank of america who to I send good will letters to?

You will send these to the addresses supplied on the reports from above that you get.

 

I live in the state of Ca ....You will want to find out your SOL for your state.  Someone here can answer that.


Gather up that info and if ANY CA ( collection agency) contacts you by phone...do not talk to them.  If they write you, do not answer any letters until you come here!

 

You'll be fine...we've all been there!!!!  

 

Also.....Welcome to the Forums!  Smiley Happy

 

Mo



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 3 of 4
Epic Contributor

Re: When will things fall off of a credit report?


BungalowMo wrote:

greeneyes26 wrote:

i have a collection from verizon with midland....when will it a fall off my credit report? How do I see that on the report I get my reports from MY fico?

*To get the above info, go to the Free Report link in my sig block.  You are able to receive one free report from all 3 agencies every year by law.  This is that site. These have all the information you need.  Print them up & come back here with ??

 

Also late payments from 2006 when will they no longer affect me?

That will depend on DOFD. (another link in my sig is the abbreviations page.  Save it in your favorites.  It will come in handy here)

 

This depends on whether the account only has lates and is still open.  DOFD has nothing to do with lates fallng off.

 

Any help or advice appreciated

Don't I know it!!!  Been there!!!!

 

Also anyone had any luck pdf with midland it would help to get that off my report?

How much do you owe???  Have you paid them anything?  How long have they reported?

 

Late payments to chase, bank of america who to I send good will letters to?

You will send these to the addresses supplied on the reports from above that you get.

 

I live in the state of Ca ....You will want to find out your SOL for your state.  Someone here can answer that.


Gather up that info and if ANY CA ( collection agency) contacts you by phone...do not talk to them.  If they write you, do not answer any letters until you come here!

 

You'll be fine...we've all been there!!!!  

 

Also.....Welcome to the Forums!  Smiley Happy

 

Mo


 

Message 4 of 4