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Not Mine..or Obsolete Disputes

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I have several different accounts, including a foreclosed mortgage loan and couple charge-offs set to fall off in December of this year. I am anxious to dispute them now as they are having a tremendous weight on the score. I have deleted all addresses off EQ and Trans and of couse not Experian for OBVIOUS reasons. Nonetheless, would it be better for me to dispute saying NOT FAMILIAR WITH THESE ACCOUNTS or should i dispute as obsolete since many say they get much luck in the months (sometimes year) leading up to date of deletion.

 

ps...

 

SOme of these accounts have a notation that they were dismissed in a Chapter 13 plan that i never completed. Does this offer any leverage especially on the one report where i got the bankruptcy notation deleted?

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Using the "not mine" is a good way to get a fraud allert accross all three Cra's

 

If they fall off in December you can try using obsolete.. which would be the better option.

 

Transunion in the past has deleted obsolete accounts generally within six months

Equifax in the past has also deleted obsolete accounts generally within six months

Experian is usually around three

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Ok Update

So this morning I got an alert from Transunion stating that I had a new bankruptcy showing up on my Equifax report... the one i JUST GOT the deletion notification from. So i go in the EQ backdoor and i see nothing. Ok.. im not convinced. So i call Equifax and ask the nice rep if she sees anything.. she sees no public records and asks if there was anything else on my report i wanted to question....

 

so tempting....and so i bit...

 

I went ahead and ON THE PHONE *dont shoot me* disputed all the accounts that showed Dismissed in bankruptcy or deleted clarifying to her...

 

"as you can see the bankruptcy was a same name error and of course these cannot be mine as the bankruptcy was not mine"

 

so she politely agreed and then asked me if any information in my personal information section was incorrect.. since i disputed all name variations as well as addresses early in the game, I told her that at this point everything was correct. She pretty much said she would send communication over to the creditors in order to verify and for me to check the status online and took my email where i can be emailed the results as well. So at this point...all accounts being out of SOL...all addresses attached to those accounts being deleted...and to my knowledge...No Fraud Alert at this point... I will see what comes of this.

 

Keep you guys updated

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update from Equifax this morning saying that they are still working on the dispute..... awwww...what courtesy..lol

Ain't they sweet....

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Just noticed I never updated this... anyhow.. per the accounts i disputed that were marked IIB ... none were removed and they still mention the bankruptcy that does not exist on my EQ report anymore. Any creative approaches to this?

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