Legal Question in Credit and Debt Law in Pennsylvania

I have a charge off on my credit report from may 2008 when should the credit bureau remove it off my credit report?


Asked on 6/04/15, 10:24 pm

1 Answer from Attorneys
Rachel Hunter

Have you disputed this information in writing with each of the 3 major credit bureaus (Equifax, Experian and Trans Union)?

The debt can only stay on your credit report for 7 years after charge off or about 7 1/2 years after you last paid on the debt. If the debt was charged off or last paid 7 or more years ago, then the debt should come off. I would write the letter and ask the credit bureaus to remove the debt to staleness.

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Answered on 6/05/15, 8:22 pm


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