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The Master obsolete delete time frame thread


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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.

EQ results in "We have verified that this account belongs to 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. 

Sorry to hear that.

 

Did you dispute online? I just sent a letter last week. They should get it today or tomorrow. I'll keep this thread updated.

I disputed online on April 1st with EQ. Called twice after I received the results and both reps stated that I got that result because I chose "Other" and wrote in my dispute and they just verified ownership. They both also said that the account will not fall off until 10/2014. I'm on the phone with them again now and this rep is stating the same thing.

When disputing online with EQ, where exactly are people putting in that the account is past the reporting period? It was much easier to remove this account from EX and TU.

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Disputed my last account on TU showing a balance that was due to fall off in August. Did the dispute online last Friday and woke up to credit karma showing a 0 balance and 33 point jump to 751(fako). Waiting to refresh MYFICO until I get my dispute results back from EXP around the 25th of this month.

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I'm new here and just curious how quickly does your score change after removing baddies? Most of mine are set to fall off in August, and I plan to dispute for obsolete here soon, just curious how quickly it helps.

 

Right away if you're buying your FICO. The score is generated based on what's on your report, so if something was deleted, it wouldn't factor in anymore.

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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.

Update:

 

The May EX OC that I disputed online came back verified and now reporting is current so it hurt my score. Not an unknown risk. It hadn't updated for quite some years. Plus the balance owed went way up. (The balance reported before was probably wrong.) I will call soon and see if I can get it off.

 

On EQ, one item was deleted. The other 2 are still in dispute. The deleted item was a JDB with the current address listed. The other 2 items are OCs. One has already updated and the corresponding address has been added back on. It is the same item as EX so that trade line has now updated twice this month. The other OC has not updated yet. It hasn't updated in years so let's see if the reported date comes current too. :(

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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.

I recently moved to NY. Where exactly did you get your info on the NY 5 year rule? I could use any extra ammo in my disputing.

 

Thanks, Bajan!

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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.

I recently moved to NY. Where exactly did you get your info on the NY 5 year rule? I could use any extra ammo in my disputing.

 

Thanks, Bajan!

Try this thread for info: http://creditboards.com/forums/index.php?showtopic=428913

Good luck! :)

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I got my info on here. I don't recall having to do anything other than dispute as "obsolete" with TU and EQ. No law/rule quoting was needed. The first time I tried with EX online, it came back as verified. I called and tried to dispute with a rep and she refused to even put in the dispute. I also filed a consumer finance complaint after the rep refused to do the dispute and EX responded with their gibberish about the account having to be paid and not sold or transferred. A while later, I tried again last month online and there was no issue. Note- this account was listed as "Sold/Tramsferred to another lender" with a $0 balance on all reports, so I didn't even pay the OC that was reporting. The accounts were settled with non reporting creditors.

 

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.


I recently moved to NY. Where exactly did you get your info on the NY 5 year rule? I could use any extra ammo in my disputing.

Thanks, Bajan!

 

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I got an Up Date as a response to a dispute from Exp.

The up date made my dispute easier to dispute.

Do I take the new up date and dispute the item again?

You can. Or if it's an OC you can send them an 623 letter.

 

 

Most OC will flat out ignore a 623 letter. After extensive research this provision appears to be for regulators, not consumers. Although, it won't hurt anything to try.

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I got an Up Date as a response to a dispute from Exp.

The up date made my dispute easier to dispute.

Do I take the new up date and dispute the item again?

You can. Or if it's an OC you can send them an 623 letter.

 

 

Most OC will flat out ignore a 623 letter. After extensive research this provision appears to be for regulators, not consumers. Although, it won't hurt anything to try.

 

That's exactly the outcome I'd be hoping for.

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We have verified that this account belongs to you. That was the response that I got again. This time, I tried through mail. I think they actually contacted the OC because the high credit and credit limit fields were updated. Will try again next month, but I'm putting EQ on ice now.

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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.

I recently moved to NY. Where exactly did you get your info on the NY 5 year rule? I could use any extra ammo in my disputing.

 

Thanks, Bajan!

Try this thread for info: http://creditboards.com/forums/index.php?showtopic=428913

Good luck! :)

 

Fab, thanks!

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Now if I could just get EQ to remove LVNV! My report shows that trade line to be removed in Aug/2014 and I tried it in Feb as Obsolete but EQ wasn't having it!

 

UPDATE

 

Well since I could not get EQ to budge with this LVNV negative, I decided to go ahead and file with BBB a couple of weeks ago and Boom! Got a msg. today saying that they are going to "close and remove from credit reports"! Wooooohoooooooooo!!!!!! :clapping: Maybe because the schedule fall off is so close, I don't know I am just thrilled, lets see how long it takes tho.

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Now if I could just get EQ to remove LVNV! My report shows that trade line to be removed in Aug/2014 and I tried it in Feb as Obsolete but EQ wasn't having it!

 

UPDATE

 

Well since I could not get EQ to budge with this LVNV negative, I decided to go ahead and file with BBB a couple of weeks ago and Boom! Got a msg. today saying that they are going to "close and remove from credit reports"! Wooooohoooooooooo!!!!!! :clapping: Maybe because the schedule fall off is so close, I don't know I am just thrilled, lets see how long it takes

If you have the OC listed, you could send the letter from the BBB site to the CRAs and they will dispute LVNV and OC and remove both of them! Congratulations on beating LVNV!!

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Now if I could just get EQ to remove LVNV! My report shows that trade line to be removed in Aug/2014 and I tried it in Feb as Obsolete but EQ wasn't having it!

 

UPDATE

 

Well since I could not get EQ to budge with this LVNV negative, I decided to go ahead and file with BBB a couple of weeks ago and Boom! Got a msg. today saying that they are going to "close and remove from credit reports"! Wooooohoooooooooo!!!!!! :clapping: Maybe because the schedule fall off is so close, I don't know I am just thrilled, lets see how long it takes

If you have the OC listed, you could send the letter from the BBB site to the CRAs and they will dispute LVNV and OC and remove both of them! Congratulations on beating LVNV!!

 

Thank you!! Actually it is just LVNV, the OC is Citibank and I have not seen them on my report for years!

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