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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. 

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?

 

 

Yes, and we've also gotten EX figured out too.

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An EX CSR explicitly told me that they will remove 3 months prior as a courtesy removal. I think that the TU at 6 months and EX at 3 are pretty much set in stone. EQ is still the wild card.

I can support this with a direct comment from a rep at EX, too. I have a paid CO that is obsolete in October -- of course, during the chat conversation I had with Alexander at EX in March (I know...wishful thinking), he mentioned November, since EX hangs onto them until the following month.

This week, on a whim, I looked at an old EX report from March of last year, prior to me paying this CO, and it shows the following under Status Details: This account is scheduled to continue on record until August 2014.

So...I made a phone call to EX to "play dumb" and innocently ask why it says August on the report from early 2013, but I'm now told "November." No dates on there have change in the interim. The rep on that call was fumbling for words, and it was clear she wasn't really sure how to answer me. But she ended up saying that they "try to remove derogs as early as possible, which is three months, so August is when it could be removed." Those were her words. It didn't answer my specific question, though, which was about why the report itself used to read "August" and now mentions nothing about a removal month. (Again, the November info came from the chat rep.) But she did confirm that I should ask for it to be removed in August. ;) It's gonna be a long, hot summer in Houston...

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I've asked this before on a different thread but didn't get an answer. Has anyone successfully gotten chat using a Mac?

 

I know someone else started a thread too on this same issue and they never got an answer either.

 

I've been trying for weeks by both just letting in sit and by using the link provided on a different thread.

 

Calls have been unsuccessful for me (not my strength) and online disputes have not worked for me either.

 

I have only tried with items that are 3 months or less so that is not the issue.

 

It makes sense that they *can* delete within 3 months but it does seem to be very much a YMMV (unlike TU where all you have to do is whisper 'obsolete' in their general direction.) :)

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Ok, never got the chat so I grabbed my cojones and tried calling agin.

 

Think I got an item deleted. Yay!

 

Nice lady asked me if I wanted to her to look at anything else but I was chickened out. Maybe I'll try again in an hour.

 

Item was JDB due to fall in May. Disputed twice already by mail (not as obsolete) and called about it twice before in the past couple of weeks. 3rd time was the charm.

 

This was a very different call than the first two guys I talked to.

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Ok, never got the chat so I grabbed my cojones and tried calling agin.

 

Think I got an item deleted. Yay!

 

Nice lady asked me if I wanted to her to look at anything else but I was chickened out. Maybe I'll try again in an hour.

 

Item was JDB due to fall in May. Disputed twice already by mail (not as obsolete) and called about it twice before in the past couple of weeks. 3rd time was the charm.

 

This was a very different call than the first two guys I talked to.

:clapping:

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Ok, never got the chat so I grabbed my cojones and tried calling agin.

 

Think I got an item deleted. Yay!

 

Nice lady asked me if I wanted to her to look at anything else but I was chickened out. Maybe I'll try again in an hour.

 

Item was JDB due to fall in May. Disputed twice already by mail (not as obsolete) and called about it twice before in the past couple of weeks. 3rd time was the charm.

 

This was a very different call than the first two guys I talked to.

 

 

Uggggg

 

You finally got a person who was helpful and you declined further assistance. You want to roll the die again and hope for a return of the first 2 guys?

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Ya, I know! Rub it in why don't you? :)

 

Phone convos just aren't a strong point for me. What can I say?

 

But perseverance is, especially now that I understand how a good convo goes.

 

I've got 6 more due off in the next 2 months so I should get some good practice. If I continue at this rate, should only take 18 more calls, LOL!

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Just pointing out the errors of your thinking.

 

Look for a helpful customer service rep and maximize his/her utility. Because those 6 negs are due to fall off within 2 months, you should have been able to exterminate them all in 1 call. The key is to find someone who is willing to help you.

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Ya, I know! Rub it in why don't you? :)

 

Phone convos just aren't a strong point for me. What can I say?

 

But perseverance is, especially now that I understand how a good convo goes.

 

I've got 6 more due off in the next 2 months so I should get some good practice. If I continue at this rate, should only take 18 more calls, LOL!

 

I've had a couple of calls with them too that didn't work out in my favor but mine weren't in the three months timeframe b/c I didn't have that info at the time. Next time you get them on the phone just keep asking them to look into the items for you....hey the worse they can tell you is no.

 

As for the chat, I'm not sure about the Mac thing, but I haven't had much luck on a PC either. I was able to get it to work only once but each time after that its been a no go. Earlier you asked about a plan of attack for EQ and EX. I certainly don't have one yet, but if I think of something I will be sure to let you know. I'm tempted to send off a few nutcase letters but I'm just not sure it's worth it since all of mine are within 6 months of falling off anyway.

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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.

 

I did read through your thread on that. I need to read through again to see if I can apply that to my situation. I think the thing that made me a little leery of trying your method was the fact that I have a very unique name and I'm not sure that would work for me.

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DQ - thanks for info. I worry more about disputing the OCs as they can technically report for 7.5 years so I'm always worried they will extend the reporting time. JDBs can only report for as long as the O/C. Keep us updated.

 

So I did call back EX again yesterday afternoon. Decided to start with what I thought would be the easy one (April fall off) and see how receptive the CSR was. Turns out, the April JDB had just moved the drop off date to July. (The drop off date was always listed in the notes but the notes had disappeared sometime in the past few days.)

 

He kept saying July, I kept insisting April. He finally put me on hold (perhaps to check an older report?) and finally came back and said he deleted it. Yay! But it was difficult and I didn't feel like he was going to be helpful for more so I ended the call.

 

This morning, both TLs are gone, per USAA. I never got a confirmation email. The first rep asked for my email and said I would receive one in 1-3 days; the second one didn't. Others reported on this thread that they got the email the same day.

 

The c/o I disputed online 2 days ago is still in dispute and on my report.

 

Looks like phone (or chat if you can get it) is the way to go with EX. Especially if you've already disputed the items since they won't (at least for me) let you dispute again on your own. The 2 I got off had already been disputed and online wouldn't let me go again.

 

I'll try EX again today.

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DQ - thanks for info. I worry more about disputing the OCs as they can technically report for 7.5 years so I'm always worried they will extend the reporting time. JDBs can only report for as long as the O/C. Keep us updated.

 

So I did call back EX again yesterday afternoon. Decided to start with what I thought would be the easy one (April fall off) and see how receptive the CSR was. Turns out, the April JDB had just moved the drop off date to July. (The drop off date was always listed in the notes but the notes had disappeared sometime in the past few days.)

 

He kept saying July, I kept insisting April. He finally put me on hold (perhaps to check an older report?) and finally came back and said he deleted it. Yay! But it was difficult and I didn't feel like he was going to be helpful for more so I ended the call.

 

This morning, both TLs are gone, per USAA. I never got a confirmation email. The first rep asked for my email and said I would receive one in 1-3 days; the second one didn't. Others reported on this thread that they got the email the same day.

 

The c/o I disputed online 2 days ago is still in dispute and on my report.

 

Looks like phone (or chat if you can get it) is the way to go with EX. Especially if you've already disputed the items since they won't (at least for me) let you dispute again on your own. The 2 I got off had already been disputed and online wouldn't let me go again.

 

I'll try EX again today.

 

Nice work. As with all things rebuilding, persistence is the key. They usually never sent me confirmation e-mails either when they deleted old TLs but they were always gone. Keep after it. :)

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I had an OC paid acct on Ex. I disputed as obsolete and it came back verified but Ex or OC extended the drop off date by several months. I sent them a copy off original dropoff date and said I would file a complaint with CFPB if they didn't delete. EX deleted the account.

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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.

 

Right on the money! ;):wave:

 

TU doesn't even try to tempt me with emails regarding completed disputes. But my smartcredit pull shows this pesky, paid CO for utilities is gone!

 

Now for the seemingly interminable wait until I might reasonably hope for success with EQ or EX...hurry up and wait...hurry up and wait...

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Yay! Congrats!

 

Is your TU now clean? Any plans for it?

Alas, it is not clean. This leaves 2 medicals that are in the throes of Why Chat's HIPAA Program. By the time those are gone, I should have close to 6 mos since my last spree. So I'll have plans for it then...! :)

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Update.

 

I've called EX 4 times now and have gotten 4 items removed. Still have 1 May item that is already pending from an online dispute and 2 June items. I'll maybe try again today for the 2 remaining June items.

 

For EQ, I got the 2 old addresses removed and mailed out an obsolete dispute for 3 July items yesterday. I'm fairly confident they will take 3-4 weeks. Hopefully something will come off. I plan to just keep sending new disputes every time they finish the last one. I've got 5 in August and 2 in September and then I'm done.

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Update.

 

I've called EX 4 times now and have gotten 4 items removed. Still have 1 May item that is already pending from an online dispute and 2 June items. I'll maybe try again today for the 2 remaining June items.

 

For EQ, I got the 2 old addresses removed and mailed out an obsolete dispute for 3 July items yesterday. I'm fairly confident they will take 3-4 weeks. Hopefully something will come off. I plan to just keep sending new disputes every time they finish the last one. I've got 5 in August and 2 in September and then I'm done.

Good work...indeed, you'll have "Freedom Soon!" :clapping:

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Had a cap one tradeline that was due to fall off 10/2014. Disputed online on TU on 4/1 and it is gone. It was my oldest tradeline (over 10 years old) but TU is now clean. Also tried to get an account removed from EQ on 4/1 with a DOFD of 9/07. It is gone from EX (fall of date of 4/2014 and disputed in March) and TU (disputed 6 months early in March). Will update with EQ's results.

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