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Removing negative information from your report

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Topics addressed on September 16, 2009:

Removing negative information from your report

Dear Experian,

How do I get companies to remove negative remarks off my accounts? I also have an account with a zero balance that I paid off, and it's still on my report.

- ALT

Dear ALT,

If the negative information is accurate, it will be deleted automatically seven years from the original delinquency date of the missed payment.

Paid accounts aren‘t deleted immediately, either. If the account has a positive history with no late payments, it will remain 10 years from the paid date. Doing so helps your credit history be retaining the positive account history.

The best thing you can do is to catch up on your payments and continue to make them on time until the negative details are removed. It sounds like you are headed in the right direction.

Thanks for asking.

- The ”Ask Experian“ team

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
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What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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