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Question By
qhi8585

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how do i get old collections accounts from 2006 etc that are closed off of my credit report?
I have a few closed paid off accounts from the 2006-2009 range. They are paid off and closed. Some of them had late payments. When will these fall off my report?

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Patience

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You have the right for old negative information to age off of your credit report. However, this takes 7 years. Even if you have paid a collections account, it will remain on your report for 7 years from the date you stopped paying the original creditor. So, not the date the account was sent to collections necessarily, but the date you stopped making payments on the original debt.

For example, if you had a credit card with Capital One, and you stopped making payments on it in July of 2005, it went delinquent and was eventually sent to collections in March of 2006, that account would be removed from your report in July of 2012 no March of 2013.

Now, if you have collections accounts that have passed that 7 year period that are still showing on your report, your next step is to dispute these entries with the credit bureaus. You can do this online, by phone, or by mail, and will need to do it with each credit bureau the account appears on.

Cheers!

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mmm's answer was great, but let me add, don't try to remove accounts that have been paid off and closed in good standing, just try to get the late payments removed if they are still showing.

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