preemiemom
Carpal \'Tunnel
Reged: 01/17/07
Posts: 19391
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Re: OT - Credit Report
06/15/08 07:10 PM
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One or more of your delinquent accounts only appears on the two reports? And not on the Transunion? That would the most likely explanation for the variation.
The 2004 ones have another 3 years minimum before they fall off and that's if the 2004 is the date of last activity on the accounts, not necessarily the date the debt was incurred.
I have had items removed ENTIRELY; however, ONLY after they were paid in full. The items in question were a post-divorce situation and once they were paid, and I wrote and asked nicely for them to be removed, proving that they were paid, the creditors simply removed them.
I found this to be particularly true of judgements and/or medical claims that went to collections. Credit card companies? No such luck. SOL until the date of 7 years ran out. And the month it did, I was back on the phone with the creditor notifying them of the 7 years since the payoff and demanding they remove it from my credit (I'd tried unsuccessfully, for years, using my divorce decree showing the debt wasn't "mine", etc etc. No can do.).
If they are minimal amounts, and the creditors are small creditors I would contact them and see if they would agree to, upon payment in full, remove them from the credit bureau.
On the trailer? You're SOL. If you co-signed, and he never refi'd it after the divorce and he had sole ownership of it, then it'll stay on your credit for 7 years after the charge-off.
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