How to Find Out When Specific Items Are Due to Drop Off My Credit Report

Your credit report is a reflection of your payment history, so make sure it represents an accurate picture. Creditors often incorrectly report delinquent accounts, which can make the date your negative payment history drops off your credit report incorrect as well. In mere minutes, you can find out when delinquencies will drop off your credit reports.

Instructions

1

Get your most current credit report through AnnualCreditReport.com, the official site to obtain your free online credit reports from the three nationwide credit reporting agencies: Equifax, Experian and TransUnion. Print your reports from each of the credit bureaus. Check your credit reports for accuracy and identity theft.

2

Call or write each credit bureau if you cannot access your report online. Provide your personal information (name, addresses and employers for the past five years, Social Security number, date of birth) and other required information. Never send original documentation and keep copies of all correspondence.

Equifax Inc.? ?
P.O. Box 740241 ?
Atlanta, GA 30374 ?
(888) 685-1111 ?
equifax.com
??
TransUnion ?
2 Baldwin Place ?
P.O. Box 2000 ?
Chester, PA 19022 ?
(800) 888-4213 ?
transunion.com
??
Experian? ?
P.O. Box 9595 ?
Allen, TX 75013 ?
(888) 397-3742 ?
experian.com

3

Go to ftc.gov to familiarize yourself with the Fair Credit Reporting Act (FCRA), which outlines exactly when credit-reporting agencies must delete delinquent records. According to statute 605 of the FCRA, bankruptcies remain on your credit reports for 10 years. All other delinquent accounts (including civil suits, judgments, liens and collections) remain on your credit reports for 7 years. Credit inquiries usually stay on your credit reports for 2 years.