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barjorowland

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fraud victim, accounts paid in full, how to remove from report
in 2010 I was the victim of fraud, credit cards were jeopardized. I have paid off all debts incurred. How can those accounts be deleted from my credit report?

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Credit reports and Account acceptance

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Your credit report is an account of your previous accounts as reported to be paid and owned by you.  It neither cares, nor shows how you get the money to make the payments.  It only shows that you agreed to make payments on the account and your payment history of paying as agreed. 

For this reason, you should never pay on an account that you did not authorize or own.  If you are simply disputing fraud on a few charges on a card that you did in fact own, then you must dispute those charges with the card company and never pay that amount until the dispute is resolved in writing and according to the dispute process in your terms for the card. 

However once you pay even a portion, or in some states, agree to pay a portion, of that debt, you tell the lender and that you are responsible for the whole debt, and they can continue to report the payment details in your credit report. 

If the details are reported inaccurately, or you have proof of a completely fraudulent account, opened, and used by someone else, but in your name, you can dispute the items with the company directly.  However, as stated above, you if pay on these accounts, you admit responsibility and they will remain on your credit reports for up to 7 years after your last payment; just like anything else you admit to owning and make payments on.

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