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Colleenbrat

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A debt on my credit score was forgiven. How do I get it OFF my report?

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Some Removal Methods

Hi,

It was forgiven how? Did you receive a letter in the mail, informed over the phone or did you pay a settled amount?

If you received this information in the mail and it does indeed show that the account has been forgiven and they are removing it from their records, then send it to the credit bureaus demanding removal ( In this case, you can also dispute the account with the bureaus and if the account has indeed been removed from the company's record nothing will be found in the investigation and they will remove it). If you were informed over the phone, have them email or fax something stating that and send it to the bureaus and demand removal.

If you paid a settled amount and did not negotiate a "pay for deletion" then you may want to reach out to them and ask for some sort of "paid receipt, etc" for proof and then send to the credit bureaus demanding removal.

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You cannot get accounts removed just because you paid them, it doesn't work that way.

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1134 People Helped

I am not sure what you mean by "forgiven". Do you mean that they sent you a tax form for the amount that you owed? If that is the case, then the account will still remain on your reports for seven years from the time it originally became delinquent and closed. On the other hand, if the company made some type of error and are now saying that you do not owe them, you would want to contact the credit bureaus with the proof of that and ask for it to be deleted.

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With what's been said... In what way it was forgiven and what type of account it was. Using example of late payment, often times creditor will forgive a late payment and waive the late payment fee, however the mark of late payment will remain on your report for 7 years.... There just too many variables to answer your question better.

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