How long does it take for public records and delinquent accounts to remove

[Anonymous]

How long before public records and delinquent accounts remove themselves from a credit report? Also, has anyone tried to remove inquiries by writing letters to the companies to have them removed? Any success?

[GoldSorata]

7 years from DOFD (date of first delinquency). Sometimes sooner depending on the state (for example I'm in NY and paid collections/judgments fall off after 5 years).

I wouldn't try to delete inquiries. 

[Anonymous]

Thank you for replying. I think it is 5 years for my state also but I am not totally sure. Why do you suggest not asking to remove inquiries?

[GoldSorata]

Because you wont have much success and they are a small part of ones FICO score. Disputing them with the CRAs and you risk getting a fraud alert placed.

[Anonymous]

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@GoldSorata wrote:

Because you wont have much success and they are a small part of ones FICO score. Disputing them with the CRAs and you risk getting a fraud alert placed.

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And inquiries are a short term issue (they only affect scores for 12 months and are gone at 24), while rebuilding is a long term (24+ months) project.

[Anonymous]

That's a good point. I would have got a $5000 increase on my Barclay card if it weren't for my inquiries that's why I was asking.

[Anonymous]

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@Anonymous wrote:
That's a good point. I would have got a $5000 increase on my Barclay card if it weren't for my inquiries that's why I was asking.

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Ouch. Well, the credit lines will come in time, just keep reminding youself that this is a marathon, and not a sprint.

[Anonymous]

Thank you for reminding me. When I started out (almost two years ago), I was definitely sprinting...applying for everything and anything because I was so excited to have credit again. I have a hard time with patience but I try to remind myself how much lower my limits were when I started.

[RobertEG]

DOFD only applies to collections and charge-offfs.  It does not apply to the exlcusion period of any types of public record information.

Public record information has exclusion dates dependient upon the type of information.

Judgments can remain for 7 years from date of entry of the judgment or until expiration of the statute of limitations on enforceability of the judgement, whichever is longer.

Tax liens become excluded 7 years after date paid.

You can write a party who made an inquiry and make informal requests regarding the inquiry, but you cannot send them a direct dispute.

Credit inquiries are epecifically exempted from the direct dispute process.

What is your reason for requesting deletion of a credit inquiry?  Was it improper in some manner?

[Anonymous]

I have many inquiries and it is hindering acceptance of new lines of credit. If a credit report lists a collection as "opened on" 'May 2010' then that means in June 2017 is when it should be removed? I have two public records. One is from 2009 and one from 2010. Both satisfied 4+ years ago. Are you saying I should request to remove those? If so, how and when? Otherwise I do have 3 collection accounts as well. Should I contact someone about removing those as well? One is from 2007 and one from 2009 as well as one from 2010. I have worked really hard for the past two years on building my credit and my last missed payment was 4.2 years ago.