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- Will Paying Off Or Settling A Irs Judgment Increase My Credit Score?
- Can A 30 Day Late Payment Be Added To My Credit Report 2 Years After The Fact?
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The only way an item can be removed from your credit report is if the creditor deletes it, or if they fail to verify the debt upon a dispute to the credit agency.
You say you got the car back? Then the report does need to be updated. File a dispute with the agency, and if you are lucky they won’t respond to it. If they do, at least it will be updated.
Items are never erased or removed, they only expire with time.
If this is the only negative thing on her credit report she should not worry. She should only be concerned if it appears that
a pattern of bad debt is forming.
Was she able to get it back because she paid the late payments? If so, it is reporting accurately since it was repossessed. If they repossessed by mistake, she can dispute it on her credit report. She can try to dispute it anyway, even if it was repossessed properly. The creditor might not verify the repossession. (They probably will however.)
ooops…there ain’t much she can do..you might try to dispute and hope they don’t answer..but she might have to wait 7 years
There is no way. You can try to work out something with the people she owed the money to, but don’t count on their cooperation. From now on tell your friend to pay her bills on time. Good credit is a very valuable thing.
It can’t be erased but the status of the account should be updated. Challenge it on it report. This will remove it for a short period of time in order for the company to investigate the dispute.