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How to dispute an error on your credit report

Jan 27, 2015

The collection will be removed 7 years after the date it first went in collections. You can talk to them every day if you want to but the only thing that starts the clock all over again is a payment of any kind-then the 7 years starts from date of last payment. One helpful thing to do is see when you last paid the account-and then the 7 years starts from that date. If the creditor is reporting a later date then dispute that and it should come off 6 months from the date off last payment example-DLP is 5/2008 so 6 mos is 11/2008-it will be removed if you've made no payments during that time, on 11/2015. so making sure that date of last payment is correct will be helpful for old debts.