04/20/2021
Once the credit reporting time limit has been reached, the negative information should automatically come off your credit report.
If it doesn’t, you can dispute it with the credit agency involved, which has 30 days to respond to your request.
If the item in question contains errors, you can dispute it and ask that it be removed before the time limit expires.
Additionally, if you need to have a negative mark on your credit report removed and can't wait for it to expire, we can help.
Keep in mind that the expiration of a credit reporting time limit doesn’t mean you no longer owe the debt.
Creditors and collectors can continue to pursue payment if the debt remains unpaid. However, if the debt is outside the statute of limitations for the state where the debt occurred, the creditor or collection agency may not be able to use the courts to force you to pay.
These are your rights! Don't let them affect your financial standing due to errors on their end.
Let us help you.