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 Report
Profile Image

Question By
nanalor

0 Contributions
0 People Helped
Old jugment that was paid but shows on my credit. How do I eliminate it?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7370 Contributions
3810 People Helped

Helpful to 8 out of 11 people

If it is less than 7 years since it was paid, it's just part of your credit history and will remain. 

6 Contributions
723 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

Your collection will stay unless you received a settlement from the collection company that stated the debt would be removed from your report upon payment.  That is called  PTD- PAY TO DELETE!  You could then dispute your account online with all three bureaus and have it removed.  IF NOT, you can ask if they can remove it or it must stay on there for 7yrs from last date of zero balance.

1 Contribution
1 Person Helped

Paid collections and student loans

Helpful to 1 out of 1 people

I recently paid all of my accounts in collections either by settlement or paid in full.  I could not get most of the companies to agree to remove the debt but they now report as paid and closed. I haven't noticed a positive change in my score and this is the third month since they are paid. Although I got a notice from my credit card that stated my score changed and it actually dropped by five points, no explanation of why. I do have a high student loan balance with some unfavorable history but every thing at this point is current. 

In addition, my credit karma score does not match my score if I pull it from any of the pay companies. In fact, the difference is any where from 100-130 points, credit karma is showing as higher than any of the agencies, including what my credit tracker states on my credit card statements. 

Results 1-3 of 3Results 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.