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Originally Posted by NisiB1  I recently pulled a credit report from AnnualCreditReport.com. I have things that I have paid and they are still on my credit report. |
Did you get something in writing stating they would delete the accounts from your credit report once you paid?? If not, then they will remain and show as paid collection/charge off. Your best bet is too do the basics of credit repair(i.e. remove old addresses, name variation.etc from the personal section of your CR and opt out), then dispute the accounts with the CRA's.
Also, if you dispute using the annual credit report, the CRA's are allowed 45 days to investigate instead of 30 days(if you're using credit report bought directly from the individual CRA's).
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Originally Posted by NisiB1 Aren't charge-off accounts supposed to come off after 7 years? |
7 years from the DOFD(date of first delinquency) with the OC(original creditor).