How do I get a 8 year old repo off my credit.?
It should stay on your credit for 7 years after the last date its status was reported to the credit bureau. It may have been repoed 8 years ago but for 2 years after that they finance company was trying to collect and was reporting it during that time. I am in financing and I see this quite often. If it has been that long and you have paid your other bills OK since then, you should be all right. Check your credit report for free at annualcreditreport.com. Its free to see your report here once a year, but it does not show you your credit score. If you want to see your score, you will have to pay for it. Check it at equifax.com, transunion.com, or experian.com.
by tomdchi - 13 hours ago
You are right, there are so many rumors out there about credit that who knows which is right?!! I'm not too clear about the time-line of derogatory information on credit reports, but it's somewhere between 7 and 10 years. What I do know is that after such time, it is your legal right to request these "expired" items be taken off, some will "fall off" automatically, some won't, in that case, you have to call each reporting agency directly and see about getting these removed (TransUnion, Equifax, and Experian). They will in turn request verification from the lender and clear it accordingly. Good Luck!
by JoelMBA - 13 hours ago
contact the three credit bureaus and tell them to update your credit history. it should have been removed after 7 years.
by de bossy one - 13 hours ago
If you still have a balance on it that you owe they will keep it on your credit report. I would try to work out some sort of payment plan to get it paid off. Once it shows paid it will help your credit score.
by Gracie - 13 hours ago
by Gizmo - 13 hours ago
i think if u owe the money then u must pay the amount due then it is 7 yrs after that. I might be wrong but i think that is the way it works.
by jibbers4204 - 13 hours ago
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