can i remove collection notices from my credit file sooner then the 7 years it posted for?
370857
Bankruptcies will stay on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7).  There is no way to remove them.\n\nIf you want to do some letter writing and play the "game" read the files below.  They outline the proceedure and laws involved in protesting inaccurate and unfair listing to your credit report.
790238
anything over 10 years old you should be able to get removed from your credit report. i also think after this long anyone would have trouble legally collecting that debt. good luck.
1047438
What you need to do is dispute these reports with the credit bureau.  What they are doing is illegal and if these reports are not removed, you can sue them in small claims court for $1000 for each entry!  <cha-ching$$$>\n\nBut you need to do it right!  So follow these instructions.\n\nSend a dispute letter to the credit bureau listing these entries and point out these are duplicate entries. \n\nThe Bureau will then contact each of the creditors and "verify" that the debts are valid.  If they get no response the report is deleted.  If they respond back and verify the debt, the report stays on your history.\n\nAt the same time, send a "demand to validate" letter to the creditors who are listing these entries.  Demand that they send you copies of contracts, bills, receipts, and anything that was used to calculate what they claim you owe them.  They have 30 days to respond.\n\nIf they do not send this, send another letter to the credit bureau and demand the listing be removed due to "lack of validation".  \n\nMake sure you send all of these letter by certified mail to prove you contacted them.  \n\nIf the listings are still there, file a lawsuit in small claims court.  It's easy and doesn't cost that much.  \n\nI had to do the same thing to get an inaccurate listing removed from my record, and won $1200 for my troubles.  Don't let them push you around!
41342
Maybe, it depends on what kind of debt it is.  There are a number of different time frames for items to be removed from your credit report.  Inquiries remain on your credit report for 2 years. Delinquencies, collection accounts, charge-off accounts, chapter seven bankruptcy, and paid tax liens remain on your credit report for 7 years. Chapter thirteen bankruptcy remains on your credit report for 10 years. Unpaid tax liens remain on your credit report for 15 years. This information came directly from the credit bureau.  If you feel the information on your credit report is too old to still be reported, you should file a dispute with the credit bureau directly.
225100
7 years. If you paid it in full. Just dispute it with all 3 credit companys and the reason for dispute is " paid in full ". You can do this online or over the phone.
531124
You need to pay it and it will show a PAID collection on yout bureaus. Theres no way around it.  Have you disputed it with the bureau?  If they cannot validate it within 30 days they have to remove it per the FCRA.  You could try that route.
873525
Well, the law states that creditors can only put a negative mark on your credit file for 7 years. However, they can harass you for your entire life.\n\nIf it was me, I'd bide my time. It's only a couple more years, and no $7.00 debt is worth $500.00!\n\nJust don't give the creditor your new address!
1039854
If you are talking about the reporting time with the credit bureaus it is 7 years for things like credit cards etc.that are closed, reporting negatively. (but you can try to dispute things off early, about 6 months, as obsolete)\n\n10 years for tax liens, judgments etc.
377620
If the negative items are an error dispute them with each credit bureau (and send a seperate dispute letter to the creditor direct).  If it's not an error it will not be removed until 7 years from the last activity date assuming the account is closed or was charged off.  Time will be your friend.  As negative items age they become less important to what makes up your credit score.
306209
7 years from the time it was last reported on. So basically from the time either you or they closed out the account. But a little hint you may want to try is to get your report and dispute anything negative on it. If the individual creditors dont respond back in time to the dispute it can get removed from that specific report. Believe me that works !
830111
You have just stumbled into the trap that I have tried warning people about for months now!\n\nThere are only two ways to get a negative item removed from your credit history.\n\n1) The creditor must remove it\n2) The creditor fails to respond to a credit bureau investigation request.\n\nOnce you have paid the creditor, you are going to find it extremely difficult to get them to cooperate in fixing your credit.  \n\nThat is why I warn people who are going to pay off old debts...make the creditor agree IN WRITING to delete the entry once the bill has been paid off.  Don't pay them a dime unless they agree to do it.\n\nNow you are broke, and you still have bad credit.  Is that fair?\n\nAll you can do now is start the dispute process.  Note that even though you paid off this debt, the creditor is only REQUIRED to show that the debt has been paid off, but it will still show reports of late payments, charge offs and collections.  It will still be a negative report. \n\nBut it at least should show the bill is paid.  Failure of the credit to update your credit history is a violation of the Fair Credit Reporting Act.  If they don't update the listing, you can sue them for $1000 in small claims court.\n\nSend a dispute letter to both the credit bureau and the creditor.  But note that it sometimes takes a couple of months for these updates to show up on your report, so you need to be patient.
451345
The problem with simply paying off the debt does not remove the negative report from your credit history.  They may show the debt paid, but it will still reflect late payments, or that it went to collections.\n\nIf you choose to go this route, be sure to get IN WRITING a letter stating that they will remove this debt from your history BEFORE you pay a dime to them!  \n\nHere is a better suggestion.\n\nSend the creditor a demand to VALIDATE your debt.  That means they must send you copies of you contract, bills, receipts, and anything that can prove you have a legal obligation to pay this debt.  \n\nIf they do not respond back in 30 days, send a copy of this letter to the credit reporting agency, along with a demand to remove the entry due to lack of validation.  They must remove the entry or risk a lawsuit for violation of the Fair Credit Reporting Act.\n\nBe sure to send all letters by certified mail, so you have proof they were sent and received.  Otherwise you have no proof to show the judge if you go to court.\n\n\nMany of these magazine companies don't even keep your contracts on file, and it will be impossible for them to prove your debt.  Rather then spend a lot of manpower searching for these records, they will simply opt to remove the listing.
298165
The above answer is wrong.  Credit reporting agencies keep records of defaults for 7 years.
289067
Items placed on your credit report will remain for 7 years, from the time they are reported to the agency.  After that they must be removed.\n\nADDITIONAL COMMENTS\n          DUCK joieanew!!!!\n\nKnowledge of the law is our only weapon!   \n     I AM ARMED!!!!\n\nI totally disagree with your statement below.  If I am incorrect, please do me a favor and point out where in the law you are referring to.\n\nFirst, the Statute of Limitations has nothing to do with the reporting length on your credit report.  It applies to the legal obligation you have to collect a debt.  Once the SOL has run out, you can not sue, nor does the debtor have a legal obligation to pay.  \n\nYou do, however still have the right to collect the debt, and to report the debt with the collection agencies.  \n\nBelow is the requirements from the Fair Credit Reporting Act.\n\n=====================\n\n§ 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c]\n\n(a) Information excluded from consumer reports. Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:\n\n    (4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.(1)\n     \n(c) Running of reporting period.\n\n    (1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.\n\n================\nNow, as I read this, I see no clause that restarts the clock if you make a payment on your debt after it has gone to collections.  \n\nYour reply would be appreciated.\n\nAm I wrong?  What am I missing?
500898
There is a statue of limitations on a debt. After the statue has expired, (usually 2 or 3 years after the last activity) they can not sue you to collect the debt. \n\nCredit reporting agencies can not report on accounts older than 7 years (10 if bankruptcy).\n\nThese times are based on the last activity on the account. For example, if you made the last payment on a credit card on Feb. 15, 1999 the bad debt must be removed from your credit file in Feb of 2006. If you make a payment now, the clock starts again. \n\nMost debt collection companies try to get you to make a payment, sometimes offering to "settle" for 1/2 or less, in order to restart the statue where you can be sued, and it will remain on your credit reports.\n\nWhile you may have a moral responsibility for the debt, there is no legal one!
695909
If it's been 10 years since you made any payments, wait another 6 months and the charged off account will be off your credit report and won't matter anymore.  Some of them may have fallen off after 7 years anyway.
301867
doing this myself. you wait about a week. depending how far you mail the affidavit. call the collections agency. ussually they send you a letter in the mail conforming and notifying you that they wil be taking it off your credit report. but you can still call and they should have in there records the staus of your affidavit. sometimes they need more information like a police report. need more help ask me. i am dealing with it my self. real big headache huh