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Can I remove the credit card account from credit report?

Posted on: 20th Apr, 2012 08:01 pm
Can I remove the credit card account from credit report? I have 3 credit cards which have been settled back in 2009. BofA have updated the status of the accounts as 120 days past due date and Remarks include Settled - less than full balance. Do I still go about the dispute's the same way then if verified used the 623 method? I still have my settlement papers. Any help is appreciated.
Welcome silvi,

Any negative item will remain in your credit report for 7 years. Though you have paid off and settled the accounts, yet they will stay in your credit report for the next 7 years. You won't be able to dispute and remove it.
Posted on: 20th Apr, 2012 08:17 pm
If there's something inaccurate about how the account is reported on your credit reports, you can always try disputing through the CRAs though.
Posted on: 24th Apr, 2012 11:12 am
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