California Disputed Open Account Settlement
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How to fill out Disputed Open Account Settlement?
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FAQ
Here's how to remove paid collections from your credit report?or at least try to do so: Send a letter to the debt collection agency or ask via phone for this option. If the agency agrees, get the agreement in writing. Pay the debt. Follow up to make sure the debt is removed from your report.
An account that was settled remains on your credit report with a status of ?settled.? This entry will appear for seven years from the date the account first went delinquent. Like with declaring bankruptcy, this could potentially make it challenging to get approved for obtaining credit for some time.
If a collection is on your report in error, dispute it For debts that linger longer than they should, file a dispute with any credit bureau that still lists the debt.
What you can do is contact your original creditor. You can ask them?very politely?what it would take in order to have the charge-off removed. At the very least, they'll likely ask you to pay back at least a portion of what you owe. In this situation, some creditors may offer a ?Pay for Delete? agreement.
Unless the information reported to the credit bureaus is incorrect, you won't be able to remove the settled account from your credit report. You can try to negotiate with the creditor, but legally the debt can stay on your credit report, regardless of payment status.
As we mentioned, you can attempt to remove closed accounts from your credit report by disputing inaccurate information with the credit bureaus, writing a formal ?goodwill letter? to request removal or simply waiting until the account is removed after a period of time.
You can remove a settled account by requesting that the credit bureau do so. You do this by sending them a letter of dispute. Its removal will improve your credit score. Whether or not they'll remove it varies ing to the situation.
The statute of limitations on debt in California is four years, as stated in the state's Code of Civil Procedure § 337, with the clock starting to tick as soon as you miss a payment.
