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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

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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.

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3 Contributions
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Thanks you, Thanks you.

i will dispute this record.

3 Contributions
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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

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