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I have several obsolete accounts. After reading this wonderful thread, I went OnLine to Exp to file my first Dispute. I selected the Creditor that I was Disputing and pressed the Dispute button BUT I did not give a reason such as Obsolute and then sent it in. I did this on March 15,2014 and have heard nothing. By not giving a reason did I make a mistake? Should I do it over? Did is make a mistake? Your help is appreciated. Thank You.

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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. 

I have several obsolete accounts. After reading this wonderful thread, I went OnLine to Exp to file my first Dispute. I selected the Creditor that I was Disputing and pressed the Dispute button BUT I did not give a reason such as Obsolute and then sent it in. I did this on March 15,2014 and have heard nothing. By not giving a reason did I make a mistake? Should I do it over? Did is make a mistake? Your help is appreciated. Thank You.

 

You need to provide a reason for the dispute.

 

I don't recall which CRAs offer a specific option for "Too old to report" from the pre-defined list of reasons on their respective sites. For those that don't, choose "Other", and then explain that the account has passed its legal timeframe for reporting purposes. I didn't use the word "obsolete", but rather I chose language like I suggested in the previous sentence. That's what worked for me.

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By NOT giving a reason for my Dispute did I do it wrong?

 

Yes I believe that you did it wrong which is another reason why it is advised to dispute in writing. Sometimes it works out online and sometimes it doesn't. I had success one time disputing online an obsolete item and honestly it's because I was just too damn lazy to send it snail mail. So at this point the only thing you can do is wait and let them go through the process. Perhaps they will just try to verify the account which in itself is a PIA because once they verify it and then you try to dispute it again, they tell you that they won't reinvestigate because it's been done already.

 

Unfortunately all you can do is wait, or try to call them on Monday to change the dispute maybe? This I'm not sure of but you've got nothing to lose by trying.

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I got so excited by this thread and tried to dispute my 2 baddies due to fall off in May & June. Ex told me no for both when I called :(

you should try doing them again via mail. Dont send it certified, just normal mail. If you mail them this weekend they will get it next month and it may make a difference.

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Finally heard back from Equifax after a full 30 days on my obsolete disputes and I'm very disappointed. Of the 8 items disputed ONLY 3 came off!!!!

 

2 CapOne's deleted drop date 08/14

JCP deleted drop date 07/14

Chase verified drop date 07/07

Chrysler verified drop date 05/07

BOA verified drop date 08/07

Service Finance verified 07/07

This is a bummer! I was really hoping to have the EQ report mostly clean! I guess I'll just have have to wait for them to fall off on their own. So close but yet so far away!!

Edited by dramaqueen
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I have tried finding chat for Exp....can you telle where it is?? I checked the Exp website.

It's all in this thread. You can't initiate the chat feature yourself...you just hang out somewhere in the online dispute process, and EX may or may not initiate a chat invitation. It's hit or miss. I'm running a 33% success rate for the chat option popping up, and I made sure to enable pop-ups before trying. YMMV

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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.

I'm giving this the ol' college try...

  • TU says it's scheduled to remain until October.
  • Tried 3 weeks ago by phone, since I am locked out of TU online. Rep processed the dispute, and the OC verified. (It's a paid CO for utilities.)
  • Just submitted "online" with the fill-in-the-blanks option they give those of us on lockdown.
  • Got auto-confirmation email that it was received.

We shall see...! :aggressive:

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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.

 

I'm giving this the ol' college try...

  • TU says it's scheduled to remain until October.
  • Tried 3 weeks ago by phone, since I am locked out of TU online. Rep processed the dispute, and the OC verified. (It's a paid CO for utilities.)
  • Just submitted "online" with the fill-in-the-blanks option they give those of us on lockdown.
  • Got auto-confirmation email that it was received.
We shall see...! :aggressive:

Good luck! Always 3 business days for me.

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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.

I'm giving this the ol' college try...

  • TU says it's scheduled to remain until October.
  • Tried 3 weeks ago by phone, since I am locked out of TU online. Rep processed the dispute, and the OC verified. (It's a paid CO for utilities.)
  • Just submitted "online" with the fill-in-the-blanks option they give those of us on lockdown.
  • Got auto-confirmation email that it was received.
We shall see...! :aggressive:

Good luck! Always 3 business days for me.

 

Thanks, FS! I was trying to remember who had given some specific details I recalled, and it was you...I was too lazy to go back and look through this whole thread again. :)

 

Glad today is Tuesday and I won't run into the weekend, if good news happens to come on the 3rd biz day...here's hoping!

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Finally heard back from Equifax after a full 30 days on my obsolete disputes and I'm very disappointed. Of the 8 items disputed ONLY 3 came off!!!!

 

2 CapOne's deleted drop date 08/14

JCP deleted drop date 07/14

Chase verified drop date 07/07

Chrysler verified drop date 05/07

BOA verified drop date 08/07

Service Finance verified 07/07

This is a bummer! I was really hoping to have the EQ report mostly clean! I guess I'll just have have to wait for them to fall off on their own. So close but yet so far away!!

I pulled my EQ report today and even though they stated the Chrysler account as verified after the dispute, it has been deleted from my report...so MAYBE EQ will delete if its within 3 months also. 4 baddies down, 3 to go with EQ plus waiting for the BK to fall off in August of this year.

 

TU is clean aside from late SL payments. EX, no luck so far so I froze the report and will keep if frozen until I can get all the baddies off.

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Finally heard back from Equifax after a full 30 days on my obsolete disputes and I'm very disappointed. Of the 8 items disputed ONLY 3 came off!!!!

 

2 CapOne's deleted drop date 08/14

JCP deleted drop date 07/14

Chase verified drop date 07/07

Chrysler verified drop date 05/07

BOA verified drop date 08/07

Service Finance verified 07/07

This is a bummer! I was really hoping to have the EQ report mostly clean! I guess I'll just have have to wait for them to fall off on their own. So close but yet so far away!!

I pulled my EQ report today and even though they stated the Chrysler account as verified after the dispute, it has been deleted from my report...so MAYBE EQ will delete if its within 3 months also. 4 baddies down, 3 to go with EQ plus waiting for the BK to fall off in August of this year.

 

TU is clean aside from late SL payments. EX, no luck so far so I froze the report and will keep if frozen until I can get all the baddies off.

 

 

 

I was able to get the BK off EQ 18 months early through various disputes. Look at the pinned topic if you haven't already.

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Just did another obsolete dispute on TU for a TL that is set to fall off 10/2014. Disputed online this morning and 2 hours later got the email that is has been deleted.

Awesome! I am hoping for the same outcome of mine done yesterday. I can't to the normal online dispute with TU, since they put me in the dungeon...but I submitted the manual online (oxymoron..!?) dispute, which I'm told typically takes 3 biz days for completion.

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Just did another obsolete dispute on TU for a TL that is set to fall off 10/2014. Disputed online this morning and 2 hours later got the email that is has been deleted.

 

Gotta love their 6 month rule.

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Yes, what to do about EQ and EX? I've had no luck getting chat to pop up on EX not using the link to chat provided elsewhere. I've tried calling a couple of times and had no luck. (Calling makes me nervous and I'm sooooo not aggressive.)

 

Just tried an online obsolete dispute for something due off in May that I've never disputed before. It won't let me dispute anything I've ever disputed before. :( (talking about EX)

 

On EQ, I just disputed some old addresses. Had disputed before but they got added back in. 1 of the 2 I disputed is already gone.

 

Thinking I'll send snail mail obsolete dispute to EQ for items within 3 months that aren't tied to current address listed?

 

These last few months are the longest!

 

Do any of you have any plans of attack for EQ and EX?

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Yes, what to do about EQ and EX? I've had no luck getting chat to pop up on EX not using the link to chat provided elsewhere. I've tried calling a couple of times and had no luck. (Calling makes me nervous and I'm sooooo not aggressive.)

 

Just tried an online obsolete dispute for something due off in May that I've never disputed before. It won't let me dispute anything I've ever disputed before. :( (talking about EX)

 

On EQ, I just disputed some old addresses. Had disputed before but they got added back in. 1 of the 2 I disputed is already gone.

 

Thinking I'll send snail mail obsolete dispute to EQ for items within 3 months that aren't tied to current address listed?

 

These last few months are the longest!

 

Do any of you have any plans of attack for EQ and EX?

 

 

If you're too chicken to call, then just wait.

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Not too chicken to call but too chicken to press them when they say no. :) I've called twice and they politely told me they would come off in May, etc. (whenever the TL said it would come off.) I said ok, thanks....

 

But surely calling isn't the only option...

 

 

If calling isn't the only option, then send a dispute letter. Or online. Or chat. It's been discussed extensively here.

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I think the post you are responding to has been misinterpreted.

 

Let me try again:

 

We've got TU figured out. We're not having as much luck with EX and EQ. I've decided on a fresh attack as detailed above.

 

Anyone else also formulating a fresh plan of attack and care to discuss and compare success?

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