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Question By
Truman4

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Am I able to remove a credit card from 2006 if it has a 0 balance.
but 8 late payments?

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Late payments are only allowed to be reported on your credit reports for seven years from the time that they happened. If you see late payments that are older than seven years you need to dispute them with the credit bureaus that are reporting them. Transunion, Equifax and Experian all have websites with instructions on how to file disputes.

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2006

When was the account closed? If it's been more than 7 years it should have been removed from your report. If not I suggest disputing the debt. 

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It will drop off in 7 years, but can't be removed otherwise.  The mistakes were made and you have to live with the consequences of them.  Please read the articles on this site so you can learn how to improve your credit. 

Reply by
brian3415

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Not necessarily. As far as living with consequences of bad credit judgment. Dispute certain things. Companies have 30 days to respond. Some of them will and some of them won't. Take advantage of that. 

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