Debt paid - How do I get it removed from my daughter's Credit Report.?
My daughter stupidly got herself involved in a debt with a catalogue company. It was a small amount of £140. Provident contacted her and stated that they had acquired the debt from the catalogue company. She quickly payed the debt to Provident. My question is how can we get this black mark removed from my daughters Credit Report. I guess that the original catalogue company will not be aware that the debt has been repaid. How can we close this loop - or will this 'paid' debt remain on her report for the next 6 years?
- SPIFIMAN1Lv 79 years agoFavorite Answer
If your in the U.S.A., you can't. Per the Fair Debt reporting Act (Federal law) derogatory accounts show for 7-years from the date of first delinquency which works out to 7-years and 180-days even if they are paid.Source(s): Finance Manager for over 11-years, 2011 edition Consumer Action Handbook.
- Anonymous9 years ago
She has to wait 6 years unless maybe you can talk to the company
- David14Lv 79 years ago
1. Your daughter should fight her own battles.
2. You can't have it removed. If it's accurate, it stays.
- MadManLv 79 years ago
You cannot. Sorry.