Ask creditor to remove a accurate tradeline?

[etechjc]

Hey folks, As I had posted earlier I have been trying to correct my credit by disputing negatives, pushing for answers and etc..

I was wondering, I have a trade line for a small tractor thru local loan company that I paid off, that is reported as a negative on my credit.

I was never late, and made lump sum payoff after my discharge.

Everything is accurate, Reporting as 0 balance, however reporting as Discharged in chapter 7 to make it a negative.

I was wondering, Can one ask a loan company directly if they will remove a trade line from a CR? And If I were to do that is there any chance they would comply.

[LadyInTheRed]

My understanding is that they can remove it. You would have had more leverage before you paid the discharged debt. But, it can't hurt to ask.

[malf1204]

They can remove it. Chase was reporting 1 of 3 BK tradelines incorrectly. I tried forever to have them correct it. I filed a small claims suit and they agreed to reimburse my fees and remove all 3 tradelines even the correct ones.

[etechjc]

Yeah but you see, nothing is being reported wrong for me to file suite with. I wrote them and my only hope is that they will remove it based on our past, present and future positive relationship, being this isn't the only loan of ours they are holding.

Ill let you know how it works out.

[Amy26]

Its called a "good will letter". You can try to see if they will remove it just by being nice... however sometimes they won't do it and state that they must report accurately to the bureau bla bla... but you may get good news. Good luck.

[etechjc]

Nope, No good. Oh well.