Dispute the balance update to reflect a $0 balance. Take Control of Your Financial Future
Creditors can only report negative information for a specific amount of time—usually seven years. Sometimes, debts are "re-aged" to make them appear newer than they are. creditsmartreports.com
To make this blog post more relevant to your specific needs, let me know: Dispute the balance update to reflect a $0 balance
Immediately contact the creditor to freeze the account and file a dispute with the credit bureau. 2. Incorrect Account Status (Late Payments) creditsmartreports.com