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!

Question

Posted in Credit Karma
Profile Image

Question By
Dtfreeny

0 Contributions
0 People Helped
Can i get an account that was open on august 17 2010 removed in august 17 2017?
Account removal after so much time

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7816 Contributions
1486 People Helped

If the account is a negative account, wanting to remove it is fine. If it was closed in good standing, do not ever try to remove it.

The seven years starts from the DOFD (date of first delinquency) not from the Open or Closed date.

The DOFD is one month after you made the last payment on the account before it became delinquent enough to charge off or be closed.

Late/Missed payments are removed seven years from the date they occurred.

Do some reading on "early exclusion" as you can sometimes get negatives removed a few months prior to the seven year mark.

Result 1-1 of 1Results 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.

SIGN UP NOW

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.