Community Leader
Epic Contributor
Posts: 26,021
Registered: ‎03-19-2007
Re: Will this hurt or help?
[ Edited ]

Regardless of possible impact on your credit score, I dont see a legitimate basis for deletion of the account delinquencies based on the posted facts.


The account delinquencies were either accurate or they were not, so deletion of their reporting would be based on a showing that they did not occur.


After reporting the delinquencies, they had no obligation to report further unless prior information required updating to maintain its accuracy.

Thus, I see no basis for asserting failure to provide "complete" reporting.


Additionally, even had further reporting been required, the party always has the opportunity to first correct any inaccuracies in prior reporting in a dispute.

Deletion of the disputed reporting is only required if they are unable to either verify its accuracy or correct it so as to now make it accurate.