Check Credit Report

Kevin V asked:


I would like to settle a few closed credit accounts that have been charged off and bought out by debt collectors. The collection agency is offering me a discounted rate to pay off this account. If I choose this option, will my credit report eventually show this account closed and paid off, as stated by the agency?

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Simpson C asked:


If I have a credit card that I do not use, how does this account reflect on my credit report? Does it show an open account in good standing?

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awill110 asked:


I got my credit report today and it shows that my total credit amount is $300 and I have $296 available. After further inspection I noticed that only one credit card had reported a credit limit/max balance and that all of my credit cards hadn’t been reported since April. Is there an effective way to contact the credit card companies and get them to report accurate and up to date information to the credit bureaus? I feel that this issue is affecting my credit score, so I would like to fix this.

Thanks in advance.

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shugahill@sbcglobal.net asked:


Some delinquent reports on my credit report are due to fall off this year. Will they come off my report automatically or is there something that I should do once the fall off date has passed?

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operaphantom2003 asked:


There are a few items which have been reaged by a collections agency and they cannot do that. The SOL has passed and they should be removed from my credit report. Also, when you view your credit report where is the “date of last activity”? All I see is the open date and last reported date. The last reported date can’t possibly be the date to go by because then the companies can stay on your credit report forever. I have never had problems about stuff dropping off before but Capital One refuses to drop off and the three different collection agencies (for one card mind you) keep reporting a new date opened. This is ridiculous. How can I get them off? It has been 8 years now and they are still on there.

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