What If a Creditor Does Not Agree to Delete?

What If a Creditor Does Not Agree to Delete?

It’s important to understand that not all creditors will agree to delete or remove an account from your credit report. Federal laws and agreements with credit bureaus often prohibit creditors from deleting accounts in exchange for payment. When a creditor declines a deletion request, they are typically following these regulations.

Impact on Your Credit Score

The good news is that you don’t need every account removed to achieve your credit goals. The impact of a creditor’s refusal to delete an account varies based on the age of the account and the type of credit you’re seeking.

  1. New Credit Cards or Auto Financing: If you recently settled an account and it now shows a zero balance, your credit score may remain the same or even improve slightly. Modern FICO® and VantageScore® models, commonly used by credit card companies and auto lenders, disregard paid items. This means settling an account could positively reflect on your credit report.
  2. Home Loans: For mortgages, lenders often use older FICO models (2, 3, and 5). If you settle an older account, it could lower your credit score, especially if the account was negative less than a year ago. Conversely, settling a recent account might not significantly impact your score.

Considerations for Home Loans

If you’re applying for a home loan, avoid settling accounts that won’t be deleted if they were last paid more than two years ago. Settling older accounts can negatively affect your credit score for an extended period. Feel free to contact us for guidance on how to navigate this issue.


Even if a creditor refuses to delete an account, you can still achieve your credit goals by understanding how different actions affect your score based on the type of financing you’re seeking. It’s essential to be strategic and informed about how these factors play into your overall credit profile.

If you have any more questions or need further assistance, feel free to reach out. We’re here to help you navigate through your credit journey.

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