New Visitor
mrsmo
Posts: 2
Registered: ‎03-12-2007
deleting old info
When can you start deleting old information? Does it come off your report after 7yrs or 10yrs?
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
It should show a date of last delinquency on your CR if i...
It should show a date of last delinquency on your CR if it has been 7 yrs or more dispute it to have it deleted.
Frequent Contributor
nikkoslilmouse
Posts: 259
Registered: ‎03-13-2007
Actually according to the FCRA bad credit items will stay...
Actually according to the FCRA bad credit items will stay on your report for up to 7 yrs and bankruptcy for 10
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
Bankruptcy and debt info is different.  Debt info will st...
[ Edited ]
Bankruptcy and debt info is different.  Debt info will stay on 7 yrs after the date of last delinquecy with the ORIGIANL credior, not based on the date it was sold to a CA.  Bankruptcy 13 will stay on 7 yrs after discharge.  BK 7 will stay on for up to ten years...hope that clarifies it.  IF any of the above are still there after the aforementioned limits you should be able to successfully dispute them and have them removed. The date for BKs to fall off is for the BKs themselves all included debts should still fall off 7 years after date of last delinquency with the original creditor
 
That is whether or not the debts were included in BK trust someone who has watched joyfully as their credit has improved after all of the above and has also successfully fought reaged accounts added back to their CR.


Message Edited by Brammy on 03-13-2007 12:46 PM
Valued Member
dlm0820
Posts: 44
Registered: ‎03-06-2007
So.....
if I have negatives on my report from 2000 - 2002 for a particular account and the date that was last reported as a deliquency was 2002, then the whole account would come off in 2009 instead of falling off month by month from 2007 - 2009?
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
The negative info from 2000 would stop effecting your sco...
The negative info from 2000 would stop effecting your score in 2007 in bad info from 2002 would stop effecting your score in 2009.  Equifax has an additinal feature that states 'date this accoutn will have positive status' in their reports if you want to look at that.  If it is a closed account and closed in good standing the whol thing would fall off ten years after closing