Bounced checks??

[Anonymous]

I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's.  Do these stay on for 7 years as well?  Any way to remove them?

[sl]

If the checks are showing on your report, they will stay on for 7 years.

You can try a GW letter and see if that helps get them removed.

[Anonymous]

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mstrey12 wrote:

I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's.  Do these stay on for 7 years as well?  Any way to remove them?

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My guess is that it would be tough to validate a bounced check... Dispute, dispute, dispute...

Rob

[Tuscani]

Welcome.. Please read the Scoring 101 thread:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654

[Anonymous]

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@Anonymous wrote:

I have two paid bounced checks from 2004 being reported on my credit reports from two different CA's. Do these stay on for 7 years as well? Any way to remove them?

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If you've paid the checks, I'd sure try a goodwill letter. If you have NOT, then you shouldn't even attempt a goodwill letter. In fact, I'd be more worried about the recipient filing a "theft-by-check" charge against you in criminal court. That could lead to a warrant for your arrest and time in the pokey.

If I were in your shoes and those checks are unpaid, I'd be sending the recipient(s) a goodwill letter pleading for a payment plan. But, if you have indeed paid them, I'd ask for them to be removed from your credit reports.

Good luck to you.

[Anonymous]

The checks were paid as soon as I heard from the collection agencies back in 2004 but have been lingering on my CR since then.  I sent them both GW letters almost 2 months ago but have heard nothing back and they're still on my report.  Guess I will try disputing them now.  Thanks for all the suggestions.