I have two iitems that are due to come off of my credit report in march of 2008 due the seven year l

I would like to know if there is a sample letter that i can use to contact the credit bureaus to remove them. One is from an apartment complex.

I have two iitems that are due to come off of my credit report in march of 2008 due the seven year limit.?

Actually the removal is 7 years plus 180 days after the date of delinquency.

It should come off automatically but sometimes you do have to remind them.

I have two iitems that are due to come off of my credit report in march of 2008 due the seven year limit.?

Be sure that the DLA dates (Date of Last Activity) are accurate. The CRAs generally remove the items during the three months prior to the seven year mark.

If the account(s) has/have been re-aged, meaning a collection agency is showing a different DLA date, then you will have to pursue them to get the reported dates corrected.

I would send a letter to the CRAs now, just mentioning that you believe the accounts in question are more than seven years in age, and ask them to verify the accounts with whomever is reporting them. If they cannot verify that the accounts are newer than that, then they must remove them, generally, within 30 days.

You don%26#039;t need to write a fancy letter. Just include your name, address, date of birth, and social security number, along with the reporting party%26#039;s name and account number of each account you would like removed, and the reason that they should be removed (too old).

Keep it simple. Simple letters are often more effective than complex diatribes (like this one). :-)

Good luck!

I have two iitems that are due to come off of my credit report in march of 2008 due the seven year limit.?

The credit bureaus keep your personal credit history for periods between 7 and 10 years:

Unpaid Tax Lien - Indefinitely

Chapter 7 Bankruptcies - 10 years from date filed.

Public Records - 7 years from the date of payment;

Closed or Inactive Accounts - 10 years from the date of last activity;

Derogatory Accounts - 7 years from the date of original delinquency;

As of December 29, 1997 the reporting period runs 7 陆 years (7 years plus 180 days) from the date (month and year) of the last delinquency (known as %26quot;last missed payment:).

So, regardless of how long a creditor waits to charge off, sell or transfer a debt, they must report the true and correct %26quot;delinquent or last missed payment%26quot; date (month and year) that preceded the creditor%26#039;s action.

Check your credit reports, they will list the date that the entry is scheduled to be removed. Keep an eye on your reports. If they fail to remove them (which does happen on occasion) then notify the CRA.

Some creditors will re-date a debt to keep it on ones credit report, this is ILLEGAL as per 15USC1681s-2] 搂 623. Responsibilities of furnishers of information to consumer reporting agencies

Watch for re-dating of those debts.

I invite you to join the following Yahoo group %26quot;DontGetRippedOff%26quot; dedicated to helping those in financial trouble, Here you will find information to help you with debt collection agencies.

http://finance.groups.yahoo.com/group/do...

I have two iitems that are due to come off of my credit report in march of 2008 due the seven year limit.?

Probably best to do some homework about your confusing area.Here is a great start point.http://creditreport.online-helper.info/1...

I have two iitems that are due to come off of my credit report in march of 2008 due the seven year limit.?

Often the items will automatically %26quot;fall off%26quot; after the seven years. IF not you can either use the agencies online dispute option or go to www.myfico.com or even www.hillsidelending.com to get sample letters. Good luck.