Obsolete Letter

[Frustrated13]

I looked through the Resources "Sample Letter" forum and didn't see an example of an Obsolete Letter. When using the search functions, I find plenty of people reference Obsolete Letters, but I was unable to locate any actual letters to review. Is one available to look over that I am missing?

 

Kat

[wow]

Which CRA are you attempting to dispute with?

[mendelssohn]

I just had some obsolete items removed and said that they have exceeded the 7 year reporting period and are obsolete. No need for a long, wordy letter imo, and I prefer writing my own letters rather than copying or editing form letters.

[jak2136]

I disputed everything that was set to fall off in 2013 online with TU one night before I went to bed & when I got up the next morning I had an email that they had been deleted. I disputed with EX & EQ thru the mail with the same simple sentence "this debt is past the legal time frame for reporting please delete". EX has deleted all of them & still waiting to hear from EQ.

 

But be careful. Even though my obsolete accounts were negative they were old and so having them deleted lowered my AAOA and therefore lowered my score, so in hindsight I wish I would have just let them be and age off naturally.

[Frustrated13]

Right now I am trying to Experian and TransUnion. I still haven't received my Equifax. I figured it wouldn't be too awful bad just to do the obsolete dispute online, since it's pretty straightforward. I was able to do that with Experian, but TransUnion said they were having trouble verifying my identity. I decided to just print the form and mail it. If they don't take them off now they are due to fall off in a few months anyway, so I'm not going to stress too awful bad about it.

 

thanks for the responses!

[ultra2207]

An obsolete letter shouldn't be fancy. Just type it up yourself.

 

Capital One

Acct # 55555111*** : this account is obsolete, please delete.

 

Something like that.

 

 

sent via tapatalk

[LKH]

An obsolete letter shouldn't be fancy. Just type it up yourself.

 

Capital One

Acct # 55555111*** : this account is obsolete, please delete.

 

Something like that.

 

 

sent via tapatalk

 

Exactly. That little letter is perfect.