Lauren Smith, WalletHub Staff Writer
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You cannot remove a discharged debt from your credit report unless the information listed is incorrect. Even though you repaid the debt, partially or in full, or the lender stopped its collection attempts, the entry will remain on your report for seven years.
If the discharged debt is an error, you can file a dispute with the three major credit bureaus to have it removed.
How To File a Dispute To Remove a Discharged Debt From Your Credit Report
- Review your credit report to locate the discharged debt.
- Investigate the entry to confirm it is inaccurate.
- Choose a dispute method (online, phone or mail) if the information is not accurate.
- File your dispute via the chosen method.
- Wait for the results (30 to 45 days).
You can check your credit report for free and also access personalized tips on how to improve your score here at WalletHub.
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