When paid off accounts are deleted
Dear Experian, If I pay off a negative account on my credit report, will it be removed from my credit and raise my score or will it remain on there seven years and not change my score? How does this...
View Article“Potentially negative” items listed on credit report
Dear Experian, How can I get my credit score up? It seems to keep going down, and I have paid almost everything off. Also, if an account is paid in full, why is it considered potentially negative on...
View ArticleDefining “potentially negative, closed”
Dear Experian, Does “potentially negative, closed” mean the account was paid? - MLL Dear MLL, The statement appears to be from the account summaries provided on the first page or two of your...
View ArticleFinding out what accounts are hurting your credit
Dear Experian, How can I find out what accounts are hurting my credit? - RBR Dear RBR, Your personal report from Experian provides information to help you identify accounts that are hurting your...
View ArticleDelinquency cannot be removed after two years of on time payments
Dear Experian, If payment has not been delinquent for two or more years can it be removed from potentially negative status? - FRA Dear FRA, The “potentially negative” items list in your personal...
View ArticlePayment history may cause “paid” account to be listed as “potentially negative”
Dear Experian, I have a paid, closed account showing as potentially negative on my credit report. Why, if it shows paid, is it listed as a negative item? - ORI Dear ORI, Your question overlooks one...
View ArticleHow long “past due” record remains in credit report
Dear Experian, How long does a negative payment status of “Paid, Past due 30 days” remain on my credit report? The item in question occurred in March 2006, while I was out of the country. I would...
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Account reported as potentially negative after bankruptcy discharged
Dear Experian, I went through Chapter 13 bankruptcy. I paid all that I owed, and my Chapter 13 was discharged in March 2012. I requested an item be deleted since the seven years was up, and my...
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