obtain a free credit report

obtain a free credit report
I believe that, once you have paid a claim, it should be removed from your credit reports. However, the credit agreement. In fact, by law they are able to report it for up to 7 years from the date paid. Well, here is the good news: Even by the law, you are entitled to all disputes account on the credit report that you choose.

If you dispute an account on your credit report, Credit Bureau contacts the creditor for the position. The creditor has 30 days to review the bill. In most cases, if the invoice is paid, the creditor will not bother to check and, if the account is old, a lot of time they do not have the records and are unable to verify. If that happens, it must be from your credit reports immediately.

If the investigation results back as "verified", you have the right, at the request of the Credit Bureau and Collector's method of verification. You should immediately send them a letter requesting review. There is no limit how many times you can dispute the account with the credit bureaus. Usually when they go to the invoice, it will be with them in the first few disputes, but I have seen accounts are removed after up to 15 disputes. Sometimes you just have to keep are.

You can also contact the creditor directly and ask them to account. This should in any case before you pay the bill. Offer to pay the bill, if they promise to delete it from your credit report. Get the agreement in written form, especially if you are with a debt collection company.

If you have already paid the invoice, you will not be much negotiating power. But it will not hurt to ask the debt collector properly validated the debt. Write a debt validation letter is a good way to put pressure on the debt collector to an account from your credit report. Just because you have paid an account does not mean that you agree that the account is yours. And often if you have paid the debt, the debt collector is your report. All they wanted their money. You really have no reason to go on your credit report and the risk sued.

Other ways to pay collections of your credit report at the website of the Credit Repair Agency.