I paid an account that was previously charged-off. The account is currently listed on my credit reports as public record and also paid/charged-off. This account is also reporting under adverse information on my credit reports too (paid/charged-off) . I've disputed this account with the credit report agencies because the amount showing as the paid amount, is incorrect. The credit reporting agencies are stating they have investigated and they are reporting this information as verified and reporting as correct. I was wondering under the Fair Credit Reporting Act, is there a way for me to have this account deleted from my credit reports, since I've already disputed this with the credit reporting agencies? Or would I need to get a credit repair lawyer?
If it was a judgment then you have to wait the entire 7 years for it to drop off.
The bureaus report what's true.
If this was a judgment, was there a judgment satisfaction entered? If not, then you could move to vacate the judgment If its vacated rather than satisfied, then you can report that to the credit bureaus and they will remove it. However vacating a judgment for mistake is one thing. Vacating it for payment results in satisfaction.
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