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Quick question forum, if you have a dispute with a creditor pending, when it is safe to say the creditor most likely won't verify the debt and hence the derog will be removed? Just wondering when they will usually respond in the 30 day process. It is in day 10, 15, 20 or after say 20 days are they least likely to respond at all.

System Temporarily Unavailable We are currently unable to process your request. Please try again later or click here to submit your request via our secure Web Email dispute form. We apologize for the inconvenience. looks like im locked out of the back door to equifax, here is the message i keep getting now for 9 days in a row now, and when I call in i get to the part where they ask me for my confirmation number and then when i enter in my confirmation number a message comes on and just says Unavailable, not only that but I can no longer even log on to my equifax product, i called that number and they transferred me to a person in the dispute dept and they just said that I had 195 soft inquiries and that could be the problem but they will not erase any of them, i guess i cant log in because logging in creates another soft inquiry and there is no more room on my credit report for any more soft inquiries, so what do I do now? Any help would be greatly appreciated, Thanks!

Hello, I have a big problem I hope someone can help me with. When I was in college I took out 2 private institutional loans through my university, one in 1997 for $1000 and one in 2000 for $7000. I graduated in 2002, and immediately consolidated all my federally-subsidized loans. I have been paying on them ever since, and have never missed a payment. However, I moved around a lot after graduation, and didn't learn until a year later that the two private student loans were not included in the consolidation ( I've since looked at my promisory notes, and there is no federal guarantee on these loans. I also checked with the National Student Loan Database, and they are not listed in my file of federal student loans). By the time I found out, the university had turned them over to a collection agency, which doubled the balance owed and would not make payment arrangements. I was stuck. The negative reporting sat on my credit report from 5/2003-5/2010, at which point it fell off all my credit reports. I have three old hardcopies of my credit report. In the old reports, the loans are reported as follows: XXXX University Acct # XXXXXX Date Opened: 5/2000 Date of Status: 12/2004 Date Reported: 12/2004 Last Reported: 12/2008 Type: Installment Terms: 120 months Monthly Payment: N/A Responsibility: Individual Credit Limit: $2165 Recent Balance: $4499 as of 12/08 Status: Collection Account, $4499 past due as of Dec 2008 Collection Account as of 5/2005 This account is scheduled to continue on record until May, 2010 Fast forward several yeats. In April, 2013, the student loans appeared on my credit report as a "charge-off, 0 balance, date of charge-off 3/12/12". This just dropped my fico score from 720 to 612 overnight! The new reporting is as follows: xxxx University Acct #xxxxxxx Date Opened: 5/2000 Type: Installment Terms: 120 months Monthly Payment: N/A Responsibility: Individual Credit Limit: $2165 Date of 1st Delinquency: 7/2003 Date Maj. Deficiency Reported: 4/2013 Items as of Date Reported: 1/28/2014 Status: Charge-off This account is scheduled to continue on record until 4/2020 Clearly the date of major deficiency was changed by the creditor so they could re-age the accounts and report them to the credit bureaus. I disputed the accounts with the credit bureaus, indicating that these loans were beyond the 7.5 year reporting limit. I included current copies of my credit report, as well as old copies of reports which verified true date of first delinquency. Transunion and Experian deleted them from my file. However Equifax refused to delete. Equifax's response to my dispute was, "There is no historical account information currently on this account. The date of last activity has been updated. The last payment date and date closed are reporting correctly. The prior payment history and status are reporting correctly. Additional information has been provided from the original source regarding this item." My questions, then, are the following: 1. Is the creditor allowed to change the date of major deficiency at their own will, with no action taken on my part (I would assume no)? 2. Does a charge-off date of 10 years after the first deficiency constitute a new date of deficiency, and therefore restart the reporting period (as the University is trying to claim)? 2. How do I convince Equifax that the accounts were re-aged and must be deleted, when I've already disputed this fact with them, and they refused to delete? Thanks everyone. I look forward to all your replies. :-)