Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

3 Contributions
0 People Helped
can Closed - Derogatory supposedly remove from my report?
Hello Community,
would you give me a advice on this closed - Derogatory report. is this supposedly removed from my report?

Last payment of the account was in 2007 so, this one should came out of my report.

My TU report, i have this closed - derogatory account still showing up on my report.

Account detail

Last reported : Mar 21, 2011
Creditor Name: CHASE - CC
Account Type: Credit Card
Account Status: Closed - Derogatory
Opened Date: Mar 26, 2007
Closed Date: Aug 21, 2009
Limit: 1000
Term: ----
Monthly payment: $0
Responsiblilty: Individual
Balance: $0
Highest Balance: $1092
Payment Status: Collection/Charge-Off
Worst payment stauts: Unknown

Date of Last payment: Nov 09, 2007

Amount Past DUe: $0
Remakrs: Charged off as bad debt, Puchased by another lender

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5023 Contributions
1111 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

It should have been removed December of last year. The seven year reporting time period starts with the DOFD (date of first delinquency), so being that you made your last payment on the account in Nov of 07, then your DOFD would have been in December of that year. If this account is still showing on Transunion, Equifax and/or Experian then you need to dispute it with the bureaus that are listing it as "too old to report". Transunion, Equifax and Experian all have websites where you can learn how to dispute. In this case, a simple phone call to the bureaus may be enough to get it removed from your reports. If you have any problems or questions while doing this, post a question and I will try to help you.

Reply by

3 Contributions
0 People Helped

Thanks you, Thanks you.

i will dispute this record.

3 Contributions
0 People Helped

how about this record?

how about this closed - Derogatory report? can this be request to remove. In TU show closed - Derogatory stauts, but Equifax just show closed.

Last Reported Jul 05, 2015

Creditor Name CAPITAL ONE

Account Type Credit Card

Account Status Closed - Derogatory

Opened Date Jul 06, 2002

Closed Date Oct 03, 2010

Limit $1,300

Term --

Monthly Payment $0

Responsibility Individual

Balance $0

Highest Balance $1,939

Payment Status Unknown

Worst Payment Status Unknown

Date of Last Payment --

Amount Past Due $0

Times 30/60/90 Days Late 0/0/0

Remarks Chapter 7 bankruptcy

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.