I have a negative credit report that;s over 7 years ago, how do I remove it?

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  • 5 months ago

    Start by reviewing your credit report looking specifically for the default date - that is the date the bell starts tolling the 7 years. If that date is at least 7 years ago (unless it is a bankruptcy or judgment) you go to the credit bureau's home page and learn how to file to dispute. Follow the directions exactly using whatever terminology they want for arguing that the reporting period on that debt has expired and the line item should be removed. Remember they have 30 days to investigate and make a decision.

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  • Anonymous
    5 months ago

    Do a google search. It would have been quicker than asking strangers.

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  • Anonymous
    5 months ago

    What type of a credit report? BKs and some other things can be reported for 10 years but most have to be deleted after 7 years under the Fair Credit Reporting Act.

    Dispute the entry as being over the allowable reporting period with the credit bureaus.

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  • 5 months ago

    You can't. Negative marks on the credit report can stay as long as 10 years.

    Be patient - only 1,095 days to go.

    • Steve D
      Lv 7
      5 months agoReport

      Only bankruptcies and judgments stay for 10 years (judgments can actually stay longer if they get renewed), all other debts come off 7 years after the default date which is 6 months after someone stops paying.

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