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I've heard that you can dispute and remove obsoletes from experian within 6 months of the 7 year mark, and was wondering if this was true cause I didn't want to waste my one shot.
The only way so far I have been able to dispute obsoletes is over the phone, I did it for the first time a few months back and had everything I disputed removed but were all within 2 months of the 7 year mark, do you think I can do it again and have everything within 6 months removed?
I've been having a lot of luck with transunion online seems they delete automatically if you delete it as obsolete within 6 months of being obsolete.
Equifax I have not had any luck with having them remove anything as obsolete. I only had two more I need to remove that fall off in 4/15 and they said they won't remove them.
I was looking at my credit reports today, and I noticed something odd on my EQ report. My date of birth has the wrong month. I was born in October (10) and EQ has my birth month as January (01). It is clear what happened, whoever input my data simply transposed the digits, turning a 10 into a 01.
That being said, it might also not be that simple of an error. Perhaps there is a tradeline that has January (wrong month) in my DOB and EQ updated my information on that tradeline's reported DOB.
Either way, this seems like an opportunity. Correct me if I am wrong, but if tradelines are disputed based on a "not mine" approach, could a mismatch in DOB be significant?
A few weeks ago I started the initial dispute process for 3 medical collections that I discovered on my CBR from 2009 and 2013. Although I have not received an official response via mail from TU, I just logged in to my Credit Karma account and saw that one collection (reported by Central Financial Control) was updated on 12-26-14 as CLOSED. At this point, should I patiently wait for the mailed response to my dispute from TU or should I proceed with the next step and send the dispute letter to Central Financial Control now?
I know for a fact the account reported by CFC is invalid because a totally different CA is reporting the same account on both EQ and EX. Any advice will be appreciated!!
I have an account open with Portfolio Recovery Associates from 2012 that I have been disputing and I just noticed it's reporting as a revolving account but says it's collection in the comments with Equifax- is this allowed? The report says I have 0 accounts in collection so I know it's not registering as a collection but I didn't think CA could identify as a revolving account?
It's a small amount from Capital One that quite honestly, I don't remember being associated with. They offered me a settlement but I turned it down. I was going to attempt for a PFD but wanted to check if this is grounds for a dispute first.
PORTFOLIO RECOVERY A Company/Account Name: PORTFOLIO RECOVERY A Company Address/Phone: Riverside Commerce Center
120 Corporate Blvd Ste 100
Norfolk, VA 235024962
Account Number: XXXXXXXXXXXXXXXXXX Date Opened: 06/20/2014 Last Activity: N/A First Delinquency: 09/2012 Type: Revolving Rate/Status: High Credit: $581 Terms: N/A Balance: $581 Past Due: $581 Most Recent Date Reported: 11/06/2014 Comments on Account: Consumer disputes after resolution,
OK, have a late from December 2008 on a car loan. Account was paid in full and closed in February 2009. Was 54 month loan.
Late only shows on TU and was only late on account. Have tried numerous goodwill attempts with no success.
TU says it will fall off November 2015.
When that date comes, will it become a positive account and remain on the report for 3 more years until it hits the 10-year limit, or will the entire trade-line drop off?
As the late is 6 years old, my thinking was that trying to get the late removed with a dispute might cost me the trade-line if it just gets deleted instead of updated, which would hurt my AAOA more than a 6 year old late is hurting my score as the account dates back to 2004. Am I correct in that thinking?