https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2503205#M299952 I spoke with Transunion's Total and they said it's not on my credit report. It's not a judgement, just reporting on my driving record. I still think it should be removed because it's been over 7 years. I plan to research my options. Expunge? Thanks! Wed, 09 Oct 2013 16:46:51 GMT ah32 2013-10-09T16:46:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2501431#M299900 I just signed up for transunion's trial and I found an old court record from a driving ticket from 2005. It doesn't look like it's on my report under public records, but it is attached under court records. What's the statute of limitations here? Should I let be? Is this affecting me? Can I have removed? Thanks for any help! Tue, 08 Oct 2013 20:23:52 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2501431#M299900 ah32 2013-10-08T20:23:52Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2502699#M299901 What state are you in? Is it reporting as a debt, judgement? Wed, 09 Oct 2013 07:51:06 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2502699#M299901 09Lexie 2013-10-09T07:51:06Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2503205#M299952 I spoke with Transunion's Total and they said it's not on my credit report. It's not a judgement, just reporting on my driving record. I still think it should be removed because it's been over 7 years. I plan to research my options. Expunge? Thanks! Wed, 09 Oct 2013 16:46:51 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2503205#M299952 ah32 2013-10-09T16:46:51Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2505657#M300090 After a little research in Minnesota, I can petition to have this removed, but it's a long process and I'm not sure it's worth it to me. It's definitely not on my credit report, so I'll just leave things be. Maybe I'll deal with it after cleaning up my credit report! Thu, 10 Oct 2013 15:10:44 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2505657#M300090 ah32 2013-10-10T15:10:44Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2505819#M300111 <P>Statute of limitations on obligation for the debt is not relevant to CR exclusion.</P><P>&nbsp;</P><P>FCRA 605(a) applies to the exclusion of ANY adverse item of information reported to a CRA.</P><P>Subsections (1) - (4) apply to specific items with their own CR exclusion periods, such as charge-offs, BKs, collections, and judgments.</P><P>Subsection (5) is the catch-all provision, which&nbsp;relates to "Any other item of information, other than convictions of crimes, which antedate the report by more than seven years."</P><P>That would appear to be the required provision for exclusion of your "other item of information."</P><P>&nbsp;</P><P>I would send the CRA a complaint for violation of FCRA 605(a)(5) based on continued appearance in your credit report of the information.</P> Thu, 10 Oct 2013 16:36:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Huh-Old-driving-court-record-on-my-report-from-2005/m-p/2505819#M300111 RobertEG 2013-10-10T16:36:37Z