Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
Joeykempo

0 Contributions
0 People Helped
Is deleting this paid account from my report a good idea?
I had over due car taxes sent to collections. I've since paid them off in full. Will removing these from my report help my score? If so how do I go about doing that?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3675 People Helped

Thats not how it works.

It's not your choice what appears on your credit report or for how long. 

Old paid off accounts will still show on your credit report for 7 years from the last payment. sometimes longer. All part of your credit history that your score is based on.  I had a closed credit card account that  reported for 14 years! It was showing "paid" each month so I never had it removed.   Anything to do with the governments such as tax liens and bankruptcy stay on your report for 10 years.  Once they hit those limits they will generally come off with out your having to do anything. 

Good, bad or indifferent, there are laws that regulate what is on your report.  

If the info is inaccurate, there are steps you can take to rectify that. But if the info is true, there's nothing you can do about it being reported. 

Hope that helps

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.