Posted on: 22nd Jan, 2013 01:31 am
In regards to a CA account that is within 12 months of falling off due to reporting laws, is there any benefit to paying these? I'd like to see my report cleaned up. I am pondering a PFD. Should I offer less since the account is old? Does the reporting factor in when making a request for a delete?
There is always a moral obligation to pay off the debt. Moreover, even if the debt does not show up in the credit report, it does not make the debt go away.
Hi Granory,
If the account is going to fall off soon, then there is no need to file for a request to delete the negative item from your credit report.
Thanks
If the account is going to fall off soon, then there is no need to file for a request to delete the negative item from your credit report.
Thanks