topic Re: how long does it take? in General Credit Topics

how long does it take?

mu8st7ang — Tue, 21 Apr 2009 13:56:23 GMT

How long does it take for somehting to come off your credit. Verizon wireless reported me to a collection agency even though it wasnt me it was an ex girlfriend. The debt was paid the whole 70 bucks even thought the info was taken out of my name 3 years earlier but its the only thing weighing down my credit.

Re: how long does it take?

Anonymous — Tue, 21 Apr 2009 13:59:00 GMT

It can remain for up to 7 1/2 years from DOFD.

Try sending a GW letter to whomever is reporting.

Re: how long does it take?

Anonymous — Wed, 22 Apr 2009 21:41:04 GMT

Hi,

I wish I had an answer for you but am actually wondering the same thing myself. Did you ever find out how to have old and outdated information removed from your credit report?

Thanks....what a pain!!!

Re: how long does it take?

haulingthescoreup — Wed, 22 Apr 2009 23:56:16 GMT

SMB2716 wrote:

Hi,

I wish I had an answer for you but am actually wondering the same thing myself. Did you ever find out how to have old and outdated information removed from your credit report?

Thanks....what a pain!!!

What is the "old and outdated information"? Closed accounts report for 10 years, derogatories report for 7 years - 10 years.

Try this: Credit reporting time periods

If you haven't already, please read Understanding Your FICO ® Score and Credit Scoring 101 (at least the first post.)

These will give you the background knowledge you need to understand what you read here on the forums.