$0 Balance On Accounts, But Still Under "Potentially Negative"

[justzee22]

I have the following items remaining that have $0.00 balances, (2) accounts are only showing one 1 CRA and I have 2 reporting to all 3 CRA's. Even though they have been completely paid for at least 1.5 years now they are still showing as "Potentially Negative".

 

Is there a way I can have those deleted or moved to out of the "Potentially Negative" area? These are the last 4 accounts reporting in that area.

 

 

 

VETERAN'S ADMN- Account #--9XXXXXXXXXXXXX
Account Type--Installment
Balance--$0.00
Date Opened--3/1/2011 (Completely paid off as of 3/2012)
Reporting Bureau: Equifax

 

 

COLLECT ASSOCIATES
Account #-CXXXXXX
Account Type-Collection Account
Balance-$0.00
Date Opened-9/29/2011 (Completely paid off as of 9/2012)
Reporting Bureau: Transunion

 

G M A C
Account #-3XXXXXXXXXXX
Account Type-Auto Loan-Installment
Balance--$0.00
Date Opened-11/1/2004 (Completely paid off as of 6/2010)
Reporting Bureaus: Transunion/Equifax/Experian

 

USA DISCOUNTERS CREDIT
Account #-3XXXXXXXXX
Account Type-Installment Sales Contract
Balance--$0.00
Date Opened-9/1/2007 (Completely paid off as of 3/2010)
Reporting Bureaus: Transunion/Equifax/Experian

[shifter]

just because they are paid doesn't change anything.

 

if they have late payments or are collection accounts, they will always be negative.

[resuscitatemycredit]

i have to reply here to let you know that i'll be in the same situation, i have a 5 year old debt from VA (VA is reporting monthly on all CRA) also that i am willing to settle/compromise offer but they would not delete under any circumstances. was told by the rep that it would be marked "paid" instead. i am currently of thinking of ways to get this removed!? write to congress? dispute with cra? let us brainstorm together and keep this up to date. good luck!

[Analysis]

Dispute all old addresses and personal information from your CR'S, then dispute with each CRA directly, possibly with the Jack Attack or other basic method.

[resuscitatemycredit]

^^ thought about doing that JA and the addresses route but that would probably only work with TU and EQ since it is so difficult to get addresses tied to TL removed from EX.

 

 

Sent from my Motorola DynaTAC

[Analysis]

^^ thought about doing that JA and the addresses route but that would probably only work with TU and EQ since it is so difficult to get addresses tied to TL removed from EX.

 

Sent from my Motorola DynaTAC

There are plenty of people reporting success with Experian removing addresses while on the telephone.

[resuscitatemycredit]

true, but it takes more than 1 try usually and you'd have to be firm. lol

 

 

Sent from my Motorola DynaTAC