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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 was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

 

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

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I was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

 

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

 

Oohhh thanks! I am totally doing this lol!! THANKS!!

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I was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

 

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

Oohhh thanks! I am totally doing this lol!! THANKS!!

Happy to help out in a small way! I sort of have this hate/hate relationship with LVNV..

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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.

 

 

OK, I'll bite. Why would you hope for an ignored 623 letter?

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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.

 

 

OK, I'll bite. Why would you hope for an ignored 623 letter?

 

 

So I could use it as leverage to get the negative TL deleted.

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I had yet another fail with Experian. They have to be the worst to deal with. I have an account that scheduled to be deleted with them in June, so I called today to see if the rep would delete since others have been able to do so within a three month time frame and I was told NO!!! Oh, but she would be happy to place a dispute for me...come-on lady help me out a little!!! Anyhoo, I guess I will give it another try at the first of May and see what happens.

 

Still absolutely no luck with my EQ ones either.

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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.

 

 

OK, I'll bite. Why would you hope for an ignored 623 letter?

 

 

So I could use it as leverage to get the negative TL deleted.

 

How would that work? If you know something I don't know that actually works I've got quite a few OC I would love to get rid of.

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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. :(

Just pulled USAA this morning and bad news on EQ. The JDB is back and the 2 OCs are no longer marked as in dispute. Looks like I got a big fat nothing from them. :(

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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. :(

Just pulled USAA this morning and bad news on EQ. The JDB is back and the 2 OCs are no longer marked as in dispute. Looks like I got a big fat nothing from them. :(

Oh wait... Just checked again... One of the OCs is gone from both EQ and EX, ok, that's something! :)

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Just wanted to update with my experience. I haven't gotten any results from Equifax, but in a little less than 30 days I got all of my items that were within 6 months of obsolete removed.

 

Here's TU:

 

ITEM DESCRIPTION RESULTS

ACCREDITED HOME LENDERS # DELETED

ASSET ACCEPTANCE LLC # DELETED

CAPITAL ONE AUTO FINANCE # DELETED

CAPITAL ONE BANK USA NA # NO LONGER ON FILE

CAPITAL ONE BANK USA NA # NO LONGER ON FILE

CHASE/BANK ONE CARD SERV # DELETED

HSBC BANK # NO LONGER ON FILE

HSBC BANK # NO LONGER ON FILE

 

And here's Experian:

 

Credit Items

CAP ONE Account Number: ....Outcome: Deleted

CAP ONE Account Number: ....Outcome: Deleted

CAPITAL ONE AUTO FINAN Account Number: ....Outcome: Updated

HSBC BANK Account Number: ....Outcome: Deleted

HSBC BANK Account Number: ....Outcome: Deleted

ASSET ACCEPTANCE LLC Account Number: ....Outcome: Deleted

CHASE Account Number: ....Outcome: Updatedbg_spacer.gif

 

They were all between 3-6 months out from being deleted, and I disputed them all directly online. The one Cap One Auto Finance one I'll have to look into as if I can get it removed on 2 then the third "should" fall into line.

 

I wouldn't have thought to do this, thanks for all the info.

Edited by Atl-Marcos
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Just wanted to update with my experience. I haven't gotten any results from Equifax, but in a little less than 30 days I got all of my items that were within 6 months of obsolete removed.

 

Here's TU:

 

ITEM DESCRIPTION RESULTS

ACCREDITED HOME LENDERS # DELETED

ASSET ACCEPTANCE LLC # DELETED

CAPITAL ONE AUTO FINANCE # DELETED

CAPITAL ONE BANK USA NA # NO LONGER ON FILE

CAPITAL ONE BANK USA NA # NO LONGER ON FILE

CHASE/BANK ONE CARD SERV # DELETED

HSBC BANK # NO LONGER ON FILE

HSBC BANK # NO LONGER ON FILE

 

And here's Experian:

 

Credit Items

CAP ONE Account Number: ....Outcome: Deleted

CAP ONE Account Number: ....Outcome: Deleted

CAPITAL ONE AUTO FINAN Account Number: ....Outcome: Updated

HSBC BANK Account Number: ....Outcome: Deleted

HSBC BANK Account Number: ....Outcome: Deleted

ASSET ACCEPTANCE LLC Account Number: ....Outcome: Deleted

CHASE Account Number: ....Outcome: Updatedbg_spacer.gif

 

They were all between 3-6 months out from being deleted, and I disputed them all directly online. The one Cap One Auto Finance one I'll have to look into as if I can get it removed on 2 then the third "should" fall into line.

 

I wouldn't have thought to do this, thanks for all the info.

Congrats on getting the Experian items deleted. I have done online, phone and one chat session with them with no luck! Which dispute option did you choose online with them?

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I was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

Oohhh thanks! I am totally doing this lol!! THANKS!!

Happy to help out in a small way! I sort of have this hate/hate relationship with LVNV..

 

EQ cracks me up, I disputed and sent copies of LVNV saying that they would remove etc., they are STILL "working" on it lol...

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I was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

Oohhh thanks! I am totally doing this lol!! THANKS!!

Happy to help out in a small way! I sort of have this hate/hate relationship with LVNV..

 

EQ cracks me up, I disputed and sent copies of LVNV saying that they would remove etc., they are STILL "working" on it lol...

 

 

Tell them you're "working" on a CFPB complaint...

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So I had success getting my Ch 7 BK deleted yesterday on TU 5 months early :grin: . I tried the online dispute but didn't see the correct reason for disputing, "too old to be on file". So I called, the lady I spoke to seemed too emotional for my taste, stating that it wasn't too old and it's due to fall off in Oct (her voice was rising as she stated this lol). So I thought great I got someone who isn't helping. I was like just dispute it, what's the worst that could happen. Updated my SC report hours later, gone! Updated MPM, gone!

 

Now here's the kicker:

 

SC score dropped 41 points - 678 to 637

MPM dropped 11 points - 630 to 619

 

I know these are FAKOS but dang, I was expecting a nice rise...

 

Not sure if my Fico dropped (647) as Walmart or Barclay isn't due to update for a couple of weeks.

 

Anyone have any idea why? I heard about re-bucketing. There's only one derog left on my report, a charged off car loan $19k 6 years old, due to fall off 10/15. Any insight would be appreciated!

Edited by Johnsfam7
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:yahoo: OMG! My TU Fico is now 707!!!! FAKOS can kick rocks, had me feeling kinda down. I got my score off an AA notice from Lending Club, go figure! Said I wasn't approved because "requested product not offered". I'm not caring about that though!!! 707 woooot! Thanks for the info guys getting that BK deleted did me awesome!!!! :yu:

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My dispute last month on EQ of my Cap One CO caused it to be noted as in dispute on EX. I am assuming that EQ actually contacted Cap One. Decided to try and dispute the Cap One tradeline on EX anyhow on Monday. Results this morning show that it has been deleted. It was due to fall off in September. TU and EX are clean now, but I can't seem to get anything off of EQ. I tried disputing another tradeline on EQ on Monday, hopefully they will remove.

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Had great luck with my DW's TU report.

 

A total of 5 CO were removed, all old student loans and the LAST of the baddies.

 

2x with a deletion of 09/14 and 2x with a date of 11/14.

 

The other didn't have a date but some 30 and 60 day lates from 2008.

 

Hers is our first 100% clean report! I can't wait to see the new score.

Edited by 12lbRooster
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FYI my EQ just came back, they deleted everything as well from 3-6 months out.

 

Now to get rid of these medical collections.

 

How did you phrase the disputes with the different CRA's? You seem to have had the most luck of anyone I've seen so far. What reasons did you select, what comments did you add, etc?

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I only got to dispute with Transunion so far.

 

LVNV Funding and the OC HSBC Credit Both deleted 3 months early. Disputed via phone, rep was only too happy to dispute LVNV, I had to be a little more persistent for her to dispute the OC, but she did, and they are gone. :yahoo:

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I had yet another fail with Experian. They have to be the worst to deal with. I have an account that scheduled to be deleted with them in June, so I called today to see if the rep would delete since others have been able to do so within a three month time frame and I was told NO!!! Oh, but she would be happy to place a dispute for me...come-on lady help me out a little!!! Anyhoo, I guess I will give it another try at the first of May and see what happens.

 

Still absolutely no luck with my EQ ones either.

 

Finally, I got a stroke of luck with EX! I called again about the item that is scheduled to be deleted in June and the first time I got a lady and sure enough not only was it a no go but she tells me that one isn't scheduled to come off until September!! UGGH! Instead of getting frustrated, I hung up and called right back hoping to get someone more willing to help out. This time I get Jimmy and he sounded like he was in a good mood, I gave him the above mentioned account and he said let me take a look. He told me September as well but then said let me see what I can do. (I'm liking Jimmy already!) Then he says that he can remove that one early...what next? So I gave him the next account, same thing he deletes it early. Since I was on a roll I decided to ask about removing the BK which is scheduled to fall off in August, but whomp, whomp, whomp..he couldn't do it. He said they can't remove Public Records early. That doesn't mean that I won't be calling back to try again though.

 

p.s. Me and others are still waiting on Atl-Marcos to come back and tell us his magic trick to get EQ to delete his items!!

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I was wondering, is it possible to fax or mail EQ the letter from LVNV stating that they were going to close account and delete?? Would this get it done faster?

I actually did an online dispute with EQ and EX. I uploaded the screenshot of the back/forth emails that clearly showed the BBB logo. They both deleted in 2 days.

Oohhh thanks! I am totally doing this lol!! THANKS!!

Happy to help out in a small way! I sort of have this hate/hate relationship with LVNV..

 

EQ cracks me up, I disputed and sent copies of LVNV saying that they would remove etc., they are STILL "working" on it lol...

 

 

Tell them you're "working" on a CFPB complaint...

 

 

 

Sooooooo I log in to EQ backdoor a lil while ago and LVNV is GONE...... BAM!! FINALLY! They took long enough. :yahoo:

 

Now 2 Midland's remain and they don't look like they are going anywhere...

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My dispute last month on EQ of my Cap One CO caused it to be noted as in dispute on EX. I am assuming that EQ actually contacted Cap One. Decided to try and dispute the Cap One tradeline on EX anyhow on Monday. Results this morning show that it has been deleted. It was due to fall off in September. TU and EX are clean now, but I can't seem to get anything off of EQ. I tried disputing another tradeline on EQ on Monday, hopefully they will remove.

The dispute on EX of my cap one tradeline also got it removed from EQ. Only one bad account left on EQ, which was verified again today. I've tried online, writing and calling and I can't get this account off. It is supposed to come off 10/14. :unsure:

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