Why Does Defaulted Credit Card Debt Show Up Twice?
Hi John, If a collection account has been paid in full for a credit card, can either the credit card or the collection be removed from a credit report? It seems that is a double whammy. If I didn’t pay the issuer and they sent me to collections, my card account record shows a charge-off, …
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How Long Does a Bankruptcy Remain on a Credit Report?
John, I filed bankruptcy 7 years ago. I heard that bankruptcies have to be deleted after 7 years but it’s not. Are the credit bureaus breaking the law? Answer, No the credit bureaus are not breaking the law. Chapter 7 bankruptcies can remain on your credit files for 10 years from the date filed. Chapter …
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How Can I Get Tax Liens Off My Credit Reports?
John, Thanks for your informative website. My question relates to your post about how IRS will remove a tax lien from your credit report if you pay off your debt to them in full. My question: I have a “State Tax Lien” that is filed on my credit report. Does this still fall within the …