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antiques4me

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Checks stolen and written. How can this be deleted from credit report?
Five years ago a friend of my son's roommate stole a book of his checks from a closed account. The account had both our names on it. The incident was reported to police. The police report only had half the information in it. They did as little as possible to help apprehend the person who took/wrote the checks. This month (5yrs after the fact) a collection appeared on both our credit reports. He paid it because he's moving to a new city and to get an apartment the debt needed to be paid. How can we get this deleted from both our credit reports?

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The fact that he paid the debt without dispute could remove your chances of having it removed from your accounts.   Was this a joint account or was someone just an authorized user?   The authorized user may have their name removed and the debt erased from their report.  However, it if was a joint account, that is not an option.   The colluction would not have appeared on your credit report without the creditor attempting to collect from you.  You should have taken action at the first notification of the debt as opposed to waiting for it to be reported as unpaid and in collection.   If it was from a closed account and the information on the checks was not your son's and any identification provided when the check were used would be sufficient to have removed the debt along with the police report.   You may need to consult with an attorney.

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