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Luciagale

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I have paid off $115. and $56. to Lex. Medical Ct. Why is it still showing?
The $3,341 to Capitol One is over 7 yrs. old. How long does it stay on my acount?

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Top Contributor
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Paying accounts doesn't automatically remove them. You should have read on this first and tried to get a "pay for delete agreement". However, you may get lucky and see them removed, you may even try disputing them, but this can backfire and cause some damage (short term) if it fails. But is you just recently paid them, probably wouldn't be much damage at all since they already recently updated due to the payment. If you see negative accounts that are older than seven years, you need to dispute them with the credit bureaus. The seven years starts from the DOFD (date of first delinquency) this is one month after you made your last payment on the original account before it charged off. If close to the seven year mark, read about "early exclusion".

Top Contributor
1991 Contributions
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old accounts stay on your

report for 7 years from the last payment.  Its all part of your credit history.  

It can take up to 90 days for info to be updated across all credit reports with all reporting agencies, (there are over 300 of them!) . 

If a lender were to pull a hard inquiry it would be accurate as of the time of the pull since it would force all the info to be updated at that moment. 

hope that helps

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