Credit Reports Q&A
Q: I have several accounts that were sent to a collection agency. It has been more than 7 years since that occurred, but they are still on my credit report. Since collections are supposed to fall off after 7 years, is there anything I can do to get these removed?
A: You're right. If your collection account is more than 7 years old, it should be removed from your credit report. The best way to correct this is by contacting the credit bureaus and explaining the inaccuracy.
Disputing items on your report is easy. Just follow this online disputing process to submit your dispute. Remember to include details so the credit bureaus know exactly what you're referring to. Once you submit your dispute, you should receive a response from the credit bureau within 30 days. I'm glad to hear you're actively managing your credit!