How to Remove a Delinquent Account From a Credit Report

Delinquent accounts consist of credit accounts with late payments, marked by a 30, 60, 90 or 120 day notation on the payment history of the credit account. Late payments have a significant negative impact on your credit score and may prevent you from qualifying for loans and other credit accounts. You may be able to remove a delinquent account from your credit report if it is too old to be reporting on your account, over seven years, or if inaccurate information is present.

Instructions

TransUnion

1

Click the TransUnion link in resources to go to the dispute page for this credit reporting agency. Register for an account using the "First Time" button if you have not requested a TransUnion credit report in the past. Log in to your account on this page, once you have completed the registration.

2

Click "Credit Report" and "Report Inaccuracy." You should be on the dispute section of your credit report. Click "Submit dispute."

3

Look through the TransUnion credit report for your delinquent accounts. Click "Request Investigation" next to any item that needs to be disputed. Choose one of the dispute reasons provided and click "Submit."

Experian

4

Open the Experian page listed in Resources. This is the main dispute page for the credit reporting agency. Experian requires consumers to have an Experian credit report, with the credit report number, from the past 90 days. The dispute page provides a number of options to request an Experian report, with paid and free options.

5

Choose the option labeled "Yes, I have a credit report number." Enter the number from the credit report in the form provided. Other information that you need to fill in includes your Social Security number and current address. Click "Submit."

6

Scroll through the list of credit accounts until you find the delinquent accounts. Examine the account information to see if any inaccuracy or age may allow you to dispute the account. Click "Dispute this item" and click the appropriate dispute reason. Click "Submit your dispute."

Equifax

7

Bring up the Equifax dispute webpage, found in Resources.

8

Type your name, current address, any previous places you've lived at within two years, your Social Security number and a credit report number. If you do not have a credit report number from Equifax, you can simply ignore this field. Click "Submit."

9

Choose the appropriate answer from the multiple choice questions used to confirm your identity. Click "Submit" when you have answered all of these questions correctly.

10

Look through your Equifax credit report for your delinquent accounts, in the negative accounts section. Click on the individual account link of each delinquent account. Check the information on the account to ensure it is accurate. If it is not, or if the account is too old to be included on your credit report, click "Dispute this item." Use the list of dispute reasons to state your problem with the account and click "Add Dispute."