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  1. 4192club

    The Master obsolete delete time frame thread

    TU removed the following: 1/1/19 - removed PRA with expected drop 07/19 2/1/19 - removed CO with 08/19 expected drop off EX removed: 2/1/19 - removed PRA with 07/19 drop off
  2. I have an old closed/paid bank account that went derogatory back in 2012. This is my oldest account that was opened in 1999. Should I dispute the account as too old or try to dispute as never late to get the old late payments deleted? It hasn't been updated since 06/17 on EQ and 11/12 on EX and TU. 30: 09/12 60: 03/12, 04/12 90: 05/12, 06/12 Or since these will roll off within the next 12 months, should I just sit tight and let them age off? Is the value of the old closed account worth it? Thanks!
  3. 4192club

    What's Up With MPM Being Down?

  4. 4192club

    P O Box Hassles

    Check out Traveling Mailbox. I have had great luck with them and it saves me a step in not having to PDF my important mail. I use one of their addresses as my address on all CRA and accounts.
  5. 4192club

    Is Discover CreditScoreCard.com Broken?

    Mine updated this week for the first time in 7 months.
  6. I went through a loan mod in 2013. My total loan mod amount is higher than my original mortgage amount. Therefore, I currently have a mortgage account reporting a balance higher than my initial (high) balance. What kind of impact on FICO is this? Also, during the loan mod period, I paid "trial payments" that were stipulated by my mortgage company. I never missed a payment. However, my mortgage company reports these as late... Any suggestions on how to dispute/address these? 623 to the mortgage company?
  7. 4192club

    The Master obsolete delete time frame thread

    My special handling agent at EX just deleted an entry that was scheduled to drop in September. Another one down! I also called EQ today and they said mine that were scheduled to drop 11/17 and 12/17 could be deleted the month prior. No sooner.
  8. 4192club

    Can't Access Equifax Credit Report

    MF fails every time I try to pull a 3 bureau report. I called MyFico and they said EQ has a fraud alert on my report. This seems to coincide with a CFPB or BBB complaint I made last year. I called EQ today and they admitted there was an old fraud alert on my report since last year and would remove it within 48 hours. I asked why they didn't notify me and they had no idea...
  9. 4192club

    Can't Access Equifax Credit Report

    MY fails every time I try to pull a 3 bureau report. I called and they said EQ has a fraud alert on my report.
  10. 4192club

    The Master obsolete delete time frame thread

    Just called TU for a paid CO account scheduled to drop 10/17. The front line CSR refused to delete. I persisted and asked for a supervisor. The super' got on and after I requested early exclusion on this account he deleted it. UPDATE: I also called EX about the same paid CO. I'll preface this with I am in special handling with EX due to a CFPB complaint. I have had some success with HUCA when I get an agent that can't delete something or wants to send me to my special handling agent. On my 3rd call today, I was able to get an agent in the US who, after putting me on hold for a moment, removed the same account due to drop 8/17. While polite and pleasant, my special handling agent always tells me he can not remove earlier than the recorded removal date listed in my report. A nice Friday afternoon success! On to the next one...
  11. FWIW, I opened a CFPB complaint and they stopped re-adding the address. However, my EQ file has been screwed up since. CK and MyFico have trouble pulling the EQ report. Paper reports look fine.
  12. 4192club

    The Master obsolete delete time frame thread

    TU deleted a CO that was supposed to stay on until 6/2017! This was an online dispute "too old to be on report"
  13. 4192club

    The Master obsolete delete time frame thread

    EX just deleted two for me. The odd thing is every time I've called the last few days the offshore call center says "someone special is handling your account" and transfers me to what I assume is special handling after hours voicemail. I know I am in special handling for 6 months so far due to a CFPB complaint. This didn't take place this morning and the original on shore agent was super helpful and removed 2 of the 3 I asked for "early exclusion." He suggested I call back 30 days prior to get the other one deleted. On record until 1/17 - should have dropped this month already On record until 4/17 2 CO down!
  14. 4192club

    The 4192 Journey...

    I finally am clean of judgments! I just had an EQ judgment removed that originally went to "Satisfied" after a dispute and CFPB complaint. Ultimately, the dispute stayed in "reinvestigation in progress" status and I wasn't able to dispute online (not that I would) for months. I took screen shots over a 90 day period and included those in a CFPB dispute. EQ relented and deleted. No more judgments. On to the next opportunity for removal...

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