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    djmyja's Avatar
    djmyja Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jun 7, 2008, 07:45 PM
    Credir report
    I have account with zero balance on my credt report and would like to have them removed
    It's that possible
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #2

    Jun 7, 2008, 08:05 PM
    First why, is it showing late pays, some negative ? How old is the debt.
    You can write and ask them to remove it but it if shows current and valid info, they do not have to.
    TheCleaner's Avatar
    TheCleaner Posts: 152, Reputation: 3
    Junior Member
    		  
    #3

    Jun 13, 2008, 05:13 PM
    Yes it is possible, just dispute the account as "Not mine" with the credit bureaus, since there is no balance you have a very good chance of the creditor not verifying the account so the credit bureau can delete it.

    Yu can obtain free credit reports for dispute an dispute the item online going to:

    TransUnion
    (contrary to URL, this is NOT the free annual one)


    Experian | Consumer Services

    (Click 'Get my Report Now')

    https://aa.econsumer.equifax.com/aad/landing.ehtml

    (Equifax will constantly add on things and try and get you to buy something. Be sure to uncheck the things that require payment)



    Carl
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