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The Master obsolete delete time frame thread


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BK7 removed from TU yesterday! Scheduled to be removed 1/2021.   I called in and the rep asked some ID verification questions. She then said there was an error on my report and she was

Well..  an update.  I had read from a rouge element poster on MF about a method that seems to be working with TU regarding EE  and tried it.  It involves the dreaded online dispute method.  I tried it

Three more vanquished this morning on TU dispute site.  It seems automatic when checking the "too old" box when within 6 months. 

Got a very old address that was tied to a bad tradeline removed through chat. Unfortunately I jumped the gun and disputed the tradeline online two weeks ago because I couldn't get the chat to come up. If it comes back verified, I will dispute through chat.

 

Results are back. Was able to finally get the tradeline deleted after previously trying to get it deleted by the NY 5 year rule. It came off two years ago on TU and EQ, but until now EX wouldn't budge.

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Disputed $0 balance HSBC sold/transferred tradeline online with EX.

Then disputed large unpaid am3x due to fall off april 2014 online through chat. Deleted right away.

Also deleted old address associated with HSBC account and various versions of my current address through chat. Deleted right away.

The HSBC has been reporting for over 5 years and I tried my luck bhefore and tried to get it deleted through NY's 5 year reporting for paid bad accounts. EQ and TU deleted no problem, but EX said it had to be paid, not transferred. It didn't matter if it had a $0 balance. I tried again to get it deleted because of this thread and it finally came off.

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I am a newbie here and have been reading what everyone else had to say on this topic. I had a Capital One Auto Finance repo due to fall off 6/2014 in TU, EX and EQ. DOFD was 6/2007 and the car was repossessed 10/2007. The same COAF account was sold to Portfolio Recovery in 10/2010. PRA was due to fall off 4/2014 in EX, 6/2014 in TU and 7/2014 in EQ. I saw that others were saying TU would delete anything under 6 months. That turned out to be very true. I did an obsolete dispute with all three bureaus on Saturday. By 8:30 am Sunday got an e-mail from TU saying the investigation was complete. Both accounts deleted. I am hoping for the same from EX and EQ but they are taking their sweet time. Thanks to everybody who shared their results. It gave me the courage to take a shot at an early delete.

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In my experience TU and EX deleted my old accounts 3 months early. EQ is a completely different story. I have called several times and went the online route as well with no avail. Has anyone had success with EQ either by phone or online with accounts set to fall off with less than 3 months to go?

 

EX: From 596 to 722

TU: From 620 to 744

EQ: From 626 to ???

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Thought I would add to the discussion since I have been looking at this thread and trying my luck with these Obsoletes with no luck ... until today. I originally disputed LVNV Funding ($706 old Citibank, due to fall off May/2014) as obsolete online in Feb, came back "updated". Tried a couple of weeks ago to dispute via chat as obsolete and no dice. Today, I was like let me just call EX to see if I can get a blessing :grin: and the rep was very sweet, she said that even tho the account says to be removed in May, she would go ahead and put in the request to have it removed and then I got 13 name variations removed. She asked for my email and said that I should be receiving an email within 24 hours letting me know that the 13 names and LVNV were deleted... :yahoo: My EX score should improve hopefully.

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Thought I would add to the discussion since I have been looking at this thread and trying my luck with these Obsoletes with no luck ... until today. I originally disputed LVNV Funding ($706 old Citibank, due to fall off May/2014) as obsolete online in Feb, came back "updated". Tried a couple of weeks ago to dispute via chat as obsolete and no dice. Today, I was like let me just call EX to see if I can get a blessing :grin: and the rep was very sweet, she said that even tho the account says to be removed in May, she would go ahead and put in the request to have it removed and then I got 13 name variations removed. She asked for my email and said that I should be receiving an email within 24 hours letting me know that the 13 names and LVNV were deleted... :yahoo: My EX score should improve hopefully.

13 names? Wow! Congrats btw!

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NOTICE:

 

I am going to make the official proclamation that TU will delete for obsolete at 6 months and not 1 day sooner. I think this has pretty much been said but I think we can make this official. I keep reading that people try it early and it doesn't fly. I now have 3 examples and 3 different types of debts to show this. If someone says it was removed earlier then there is another reason that they did so or they just got luck with a rep.

 

Debt 1: This a charged off credit card. It was set to fall off 03/14. In August of 2013 I tried doing an online dispute for obsolete and it was rejected. I again sent in a mail dispute and it was rejected. On Sept 1st I did an online dispute for obsolete and it was deleted in 24 hours.

 

Debt 2: This was a JDB. It was set to fall off on 04/14. In Sept. of 2013 I sent in a mail dispute for obsolete and it was rejected. There is no option to do it online for CA's unless you use the other option. On Oct. 1st I sent in a mail dispute for obsolete and it was deleted within 15 days.

 

Debt 3: This is a charged off car loan (not a repo). It was set to fall off 09/14. In Feb of 2014 I did an obsolete dispute online and it was denied. I again sent in a paper request and again it was denied. Last night I did another obsolete dispute and this morning I woke up to an email that it was deleted.

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Thought I would add to the discussion since I have been looking at this thread and trying my luck with these Obsoletes with no luck ... until today. I originally disputed LVNV Funding ($706 old Citibank, due to fall off May/2014) as obsolete online in Feb, came back "updated". Tried a couple of weeks ago to dispute via chat as obsolete and no dice. Today, I was like let me just call EX to see if I can get a blessing :grin: and the rep was very sweet, she said that even tho the account says to be removed in May, she would go ahead and put in the request to have it removed and then I got 13 name variations removed. She asked for my email and said that I should be receiving an email within 24 hours letting me know that the 13 names and LVNV were deleted... :yahoo: My EX score should improve hopefully.

 

:clapping::clapping: Awesome! All of EX items aren't scheduled to come off until the Fall so I guess I will be waiting it out a few more months, but I will still call every so often to see if I'm lucky enough to get someone who doesn't mind be generous with the delete button!!!

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An EX rep explicitly told me (via chat) that they will not remove items any earlier than 3 months prior to the 7 year mark.

 

I tried the last day of one month and they wouldn't do it. I got the same rep the next day (first day of the next month) and he did it.

 

Might be a systematic thing?

 

In any case, don't get your hopes up until you're three months away.

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An EX rep explicitly told me (via chat) that they will not remove items any earlier than 3 months prior to the 7 year mark.

 

I tried the last day of one month and they wouldn't do it. I got the same rep the next day (first day of the next month) and he did it.

 

Might be a systematic thing?

 

In any case, don't get your hopes up until you're three months away.

 

Good to know!!! I will be sure to mark my tracking spreadsheet at the -3 month mark and to try that. If you're right I will have a pretty happy birthday month in May!

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I called Ex concerning a paid account that had lates and I also called about another Charged Off account that is also Paid. Both of them were paid with less than the original amount. And the Date of first Default was 5 years or more. I live in NY and tried to use the 5 year Rule . The Rep told me that these accounts cannot be deleted because the original balances were reduced. And the Rep said that the 5 Year Rule does not apply. I read the 5 Year Rule and it says nothing about not applying to reduced paid balances. The 5 year Rule says if the account is placed for collection and paid on the credit report it should be deleted. Why is Ex refusing to delete my accounts? What should I do? I have many of these items that according to this law should be deleted today. What should I do? Should I keep calling Ex?

 

no consumer reporting agency may make any consumer report containing any of the following items of information. - (iv) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years; - See more at: http://codes.lp.findlaw.com/nycode/GBS/25/380-j#sthash.XRxMCGfp.dpuf

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this thread is dedicated to obsolete disputes. The type of dispute you are doing is not an obsolete one. The only reason that I bring that up is not everybody is going to look at this thread so you are much better off by starting a new thread on this topic. There will be someone who knows what to do in this case. Good luck

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