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Ybme

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About Ybme

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  1. Ybme

    The Master obsolete delete time frame thread

    Yes, you are correct.
  2. Ybme

    The Master obsolete delete time frame thread

    Your FICO dropped by 60 points or are you looking at FAKO on CK? EQ in my experience has always been one month prior to dropping off. I'd try again April 1st or the following business day. Definitely my FICO dropped 60 points. Went from a 704 to a 654. Will it drop off on its own in April or do I have to initiate that? So far, when I've called they have always stated it will drop off in May -- no mention of April. I'm hoping that my current creditors don't SP me see this drop and take AA on me. That would suck since I worked hard to rebuild and established the credit and lines that I have. What did they do that cause the score to drop??? It doesn't make any sense to me if the late was already there. But technically it should April 1st if you call them and get your points back (not sure if all 60 points will come back). Finally, that baddie item fell off this morning. I received all of my points back, plus 1. (EQ is 705).
  3. Ybme

    The Master obsolete delete time frame thread

    I think it would come back verified because if the OC can locate and also know that it was transferred, I'd imagine that is all that is required to make it "verified".
  4. Ybme

    The Master obsolete delete time frame thread

    I found out something info while researching so I'll start another thread -- hoping to get some insight. Turns out the old mortgage on my report was transferred to green tree. Since this is being disputed and the account was transferred from the OC, and the now current holder of it is not reporting, the OC line item should get removed, correct?
  5. Ybme

    The Master obsolete delete time frame thread

    Your FICO dropped by 60 points or are you looking at FAKO on CK? EQ in my experience has always been one month prior to dropping off. I'd try again April 1st or the following business day. Definitely my FICO dropped 60 points. Went from a 704 to a 654. Will it drop off on its own in April or do I have to initiate that? So far, when I've called they have always stated it will drop off in May -- no mention of April. I'm hoping that my current creditors don't SP me see this drop and take AA on me. That would suck since I worked hard to rebuild and established the credit and lines that I have. What did they do that cause the score to drop??? It doesn't make any sense to me if the late was already there. But technically it should April 1st if you call them and get your points back (not sure if all 60 points will come back). May have been my fault. I disputed it but then realized the dispute comments would hinder any mortgage lender to pull my report so I called in to have the dispute comments removed. I asked over and over again if this would update the status date. The eq agent said no. Should have known better but I went ahead with it anyways. The removal of the comments updated the status date.
  6. Ybme

    The Master obsolete delete time frame thread

    I just disputed as obsolete online with Equifax using the same method... It's only been a couple days... Will find out soon enough.... Crossing fingers... What were the results of your dispute? It's been over a month and I have been checking the Equifax Results online and it still says "PENDING" Not sure what to make of it..... I have not received anything via email as I check send results via email option. Going to check again today... I started the dispute 1/29 and it said the completion should be by 2/28 (estimated). Nothing yet!! Geez. At this point, that would qualify for removal since 30 days has passed. If this was a mailed in dispute, I believe they give an extra 15 days for transit time. Not necessarily. If it was based on a free annual credit report number, they have 45 days. Good to know, definitely. Thanks.
  7. Ybme

    The Master obsolete delete time frame thread

    That's EX and is expected. EQ is an entirely different animal.
  8. Ybme

    The Master obsolete delete time frame thread

    I just disputed as obsolete online with Equifax using the same method... It's only been a couple days... Will find out soon enough.... Crossing fingers... What were the results of your dispute? It's been over a month and I have been checking the Equifax Results online and it still says "PENDING" Not sure what to make of it..... I have not received anything via email as I check send results via email option. Going to check again today... I started the dispute 1/29 and it said the completion should be by 2/28 (estimated). Nothing yet!! Geez. At this point, that would qualify for removal since 30 days has passed. If this was a mailed in dispute, I believe they give an extra 15 days for transit time.
  9. Ybme

    The Master obsolete delete time frame thread

    Your FICO dropped by 60 points or are you looking at FAKO on CK? EQ in my experience has always been one month prior to dropping off. I'd try again April 1st or the following business day. Definitely my FICO dropped 60 points. Went from a 704 to a 654. Will it drop off on its own in April or do I have to initiate that? So far, when I've called they have always stated it will drop off in May -- no mention of April. I'm hoping that my current creditors don't SP me see this drop and take AA on me. That would suck since I worked hard to rebuild and established the credit and lines that I have.
  10. Ybme

    The Master obsolete delete time frame thread

    Yep.. That didn't work!!! Disputed my old 120 late mortgage which had a DoFD of 5/2010 because I was so eager to get it removed. eq did not budge when asked to remove early. I knew not to dispute based on my own judgement but ignored that and did it anys. It was disputed as "not liable" and in the comments section "Too old to be reporting. Obsolete". Yeah....it came bask as verifed and tanked me by 60 points. Now, I have to hope this thing falls off in April. Any suggestions?? Thanks to who suggested that
  11. Ybme

    The Master obsolete delete time frame thread

    I just disputed as obsolete online with Equifax using the same method... It's only been a couple days... Will find out soon enough.... Crossing fingers... What were the results of your dispute?
  12. Ybme

    Irregular PenFedTCS Reporting to CRAs?

    A bit of history. PenFed would report the balance of both an auto loan and TCS balance as they sit on the last day of the month. Back in September, there was an internal memo that went out in stating that reporting would change to every 1st Saturday of the month. However, since this change their reporting has been all but consistent and sometimes failing to report. From what I've seen, they're back on track and my accounts have reported updates for Jan and I expect the same for Feb. expect your reports to update on the 19th - 21st this month.
  13. Ybme

    NFCU

    Same here. Up .65%
  14. Ybme

    The Master obsolete delete time frame thread

    The other factor is if the item had a balance or not. I've heard this play a role in whether or not EQ removes the TL early.
  15. Ybme

    The Master obsolete delete time frame thread

    TU will most likely remove it. EQ may wait until the month before 7 years after DoFD. Good luck.

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