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carold428

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How do i get a credit card off of my report? last payment was made in 2011

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The account if in negative standing will remain on your credit reports for 7 years from the date of first delinquency. 2011 + 7 years= a fall off date of 2018. Be aware that as negative accounts age, the affect your score less. You could send the credit card company a "pay for delete" request if you owe a balance on the account. If the account does not have a balance, then you could send the credit card company a "goodwill letter" requesting that the account be deleted. Be aware though that most credit card companies do not honor these types of requests. If you do owe a balance and it is affecting your utilization, then it may be good to pay it off to help your utilization rate. If you find anything inaccurate about the account on your report you could dispute the inaccuracies. Be aware though that if this account has not updated for a long while, if you start tampering with it, they will most likely update it and that will result in a ding to your scores as it will look like a fresh negative account. If it is updating monthly, then paying it off would get it to stop updating and that would help your scores start to grow.

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