What if items that have been paid off in full are still showing on my credit report?

I'm working on my husband's credit report. He has a mortgage account that has been paid off for 1 yr. and it's on his report twice...does this hurt his score?





Also, he has one account that has had a $0 balance since May 2005, but it's still reporting. The account is closed but they are still reporting (positive) monthly, like he's still making payments on an open acct. Will this affect his available credit %, do I need to dispute with the reporting bureau?

What if items that have been paid off in full are still showing on my credit report?
Send certified mail to the creditors requesting them to update the inaccurate listings immediately and send you certified letters of receipt showing the payments have been received and the accounts are in good standing. Those letters will help you in the meantime if you're applying for credit and those listings are still showing up.





Nine times out of 10 this is a simple paperwork error or someone just dropped the ball. If they give you any hassle and you feel the need to get more aggressive you can inform them that they are costing you potentially through interest rates and lines of credit you might not receive due to inaccurate listings.





Read up on the Fair Debt Collection Practices Act (FDCPA); it details what steps you can take to protect your credit from inaccurate listings. A simple google search of FDCPA should bring up the FTC site detailing the law.





Additionally, ACA - The Association of Credit and Collection Professionals, is a GREAT resource for consumers with questions about their credit. This organization basically upholds the gold standard of the credit and collection industry; they pride themselves on helping consumers resolve issues to protect the positive public image of the industry. If you have more detailed questions they can be a huge help: www.acainternational.org
Reply:The mortgage accounts on your husbands credit report are hurting his score unless it notes that they are paid for. Make sure to dispute these charges with all reporting companies so they can resolve. If an account is paid off, it will still show on his report, but shouldn't hurt anything. If the one account shows as an open account, it does go against his available credit. Contact the credit to close the account and also dispute the claim on your report to advise them that this is a closed account. I had to do this several times on my to clean a few errors.
Reply:Don't know as your asking in Dollars, this is U.K site, sorry can't help
Reply:Unless paid off items state that they are paid off, they are hurting you. Go to your bank and talk to someone there about getting these things removed from the credit report. Then, every couple of months check to see if they are removed, if not after asking for them to be removed, get a lawyer to help.
Reply:Derogatory accounts show for 7-years from the date of first deliquency and positive accounts show for 10-years from the date last active.





Do not dispute positive accounts ever. As long as they show $0 balance and a good pay history they are helping your husband score.

floral