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The Master obsolete delete time frame thread


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I talked about an issue here http://creditboards.com/forums/index.php?showtopic=526473&hl=

When we did a mortgage pull I had a collection pop up from a car loan that was never paid or repoed. The OC is set to fall off in Sept of this year and I had it removed from TU as obsolete. Well On Wednesday of this week I received an alert that I had a new collection which was the collection portion of this CO. I did an invest yesterday morning as obsolete and this morning I got a message that it was deleted.

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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. 

the only obsolete that I got deleted was one month early and they told me that they wouldn't do it (TU had already, was waiting on Equifax), but Eqifax finally did it one month early.

 

Never have had any luck on obsoletes...

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Maybe everyone else already knew this but I just figured something out:

 

Experian will not delete 3 months early from the "scheduled to remain on report" date (in the status field.) They will only delete 3 months early from the DOFD.

 

So if those dates are different (as mine are) you have to wait till 3 months from DOFD.

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Maybe everyone else already knew this but I just figured something out:

 

Experian will not delete 3 months early from the "scheduled to remain on report" date (in the status field.) They will only delete 3 months early from the DOFD.

 

So if those dates are different (as mine are) you have to wait till 3 months from DOFD.

Yeah, I was trying to get rid of a TL that TU had already deleted 6-mos early, and I learned this about EX. I dug up an old 2013 report from EX that showed a deletion date of Aug. 2014 in the comments field. Later reports no longer had a deletion month at all, and they were telling me when I called that it was due to drop off in November. I called them and tried using this old report (as a discrepancy) and my dumb-blonde act, and I learned that the reason it USED to say Aug. is because they "project deleting 3 mos early as a courtesy"...the actual age-off month was Nov. 2014. So I ended up getting rid of it through the OC instead. :D

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I have read this thread several times, thank you :) Just want to confirm, I have several accounts according to EX that have a date they are supposed to drop in Nov and Dec this year. I should not try an obsolete on those since really they shouldn't be dropping until Jan/Feb 2015 correct? TU has the same accounts as scheduled to drop in jan/feb 2015. And I am thinking I can do obsolete on those in July/Aug which would be at the 6 month mark. Just wanted to confirm before I do anything.

 

Also, a second question since I am new here, I have many accounts that report as being paid long after they were so therefore the dates are into 2016 when all of my stuff I stopped paying in 2008. Is there a thread on the boards to deal with these date in-accuracies? I should have a lot more ready to drop this fall and yet several are showing an entire year later and I am not sure what to do about that. Thanks!

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I believe that this is called Re-Aging an account, and I have one that is doing it. Do you have the statements, perchance, or the check of your last payment which is date of last payment, which will start the dating one month following which is date of first delinquency... fall off should date from THAT date... did you have activity on your account since then like a small payment or a small charge? they may be dating from date of last activity...whichever it is, see what records you have and it is not unlikely that they "re-dated" it and that makes it on your record for longer.

 

 

I have one like this as well. I will be writing a post on it...it is a Dell account...

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I have read this thread several times, thank you :) Just want to confirm, I have several accounts according to EX that have a date they are supposed to drop in Nov and Dec this year. I should not try an obsolete on those since really they shouldn't be dropping until Jan/Feb 2015 correct? TU has the same accounts as scheduled to drop in jan/feb 2015. And I am thinking I can do obsolete on those in July/Aug which would be at the 6 month mark. Just wanted to confirm before I do anything.

 

Also, a second question since I am new here, I have many accounts that report as being paid long after they were so therefore the dates are into 2016 when all of my stuff I stopped paying in 2008. Is there a thread on the boards to deal with these date in-accuracies? I should have a lot more ready to drop this fall and yet several are showing an entire year later and I am not sure what to do about that. Thanks!

I'll chime in on the first question -- yes. If EX actually shows a month for expected deletion, and it's 3 months prior to the 7-year anniversary of the DOFD, then they're already planning to delete 90 days early. If you get past the first full weekend of the month listed, and they're STILL there, I'd call them or dispute online. (NOTE: This is one of the very few types of disputes considered kosher to do online or by phone. Others are BEST in writing by USPS mail.) And TU can be done the first day of the month -- 6 months early. I did mine online, but I've seen it disputed a variety of ways.

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When calling what verbiage did you use? I have been unsuccessful with the chat feature. What number should I use to report as obsolete? I have a 1st financial account due to fall off 11/14 and a capital one due to fall off 1/15.

 

For TU, dispute online at 6 month mark (anything with December or earlier should be fine this month.) simple, "this account is past the legal reporting time. Please delete this obsolete account."

 

Takes about 3 business days to go away.

 

For EX, call 3 months out. DOFD of September or earlier works. Later will not work IME. Say, "I think this account is too old to report. Can you take a look?" Usually they will say something like, "this should come off in December but I can go ahead and dispute it for you." That means you are golden. They call it a dispute. Should come off within 24 hours or less. If they argue too much, hang up and try again later. Same day is fine.

 

I've had no success with EQ. Please let me know if you have success and what you did.

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Equifax deleted about a month after TU on all of mine... I called and just said that I thought that these were obsolete. They stuck to their guns except for one that was a TL/CA same item... removed them both but just a month after TU.

 

I have not had much luck either. Experian is the worst on everything.

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http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

 

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

Edited by cv91915
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http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

+1

 

Don't waste time with letters or phone calls. The easiest way to get an obsolete dispute to work is to do it online.

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http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

+1

 

Don't waste time with letters or phone calls. The easiest way to get an obsolete dispute to work is to do it online.

 

 

 

 

I hope so because this is the crap I run into. You can clearly see on my report that my 120 day late is Sep 07 - so whats 120 before that june 07... <sigh> And then the other accounts are being reported with the wrong dates (I know when I lost my job in 07). And since this accounts DOFD is .listed as...10/07 i get can't delete....

 

 

6_17_2014_9_21_46_AM.png

image upload no limit

 

 

I'm like REALLY!?!?!

Edited by Tryng to start over
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http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

+1

 

Don't waste time with letters or phone calls. The easiest way to get an obsolete dispute to work is to do it online.

 

 

 

 

I hope so because this is the crap I run into. You can clearly see on my report that my 120 day late is Sep 07 - so whats 120 before that june 07... <sigh> And then the other accounts are being reported with the wrong dates (I know when I lost my job in 07). And since this accounts DOFD is .listed as...10/07 i get can't delete....

 

 

6_17_2014_9_21_46_AM.png

image upload no limit

 

 

I'm like REALLY!?!?!

 

Dispute it online.

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Share on other sites

 

 

 

 

 

 

http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

+1

 

Don't waste time with letters or phone calls. The easiest way to get an obsolete dispute to work is to do it online.

 

 

 

 

I hope so because this is the crap I run into. You can clearly see on my report that my 120 day late is Sep 07 - so whats 120 before that june 07... <sigh> And then the other accounts are being reported with the wrong dates (I know when I lost my job in 07). And since this accounts DOFD is .listed as...10/07 i get can't delete....

 

 

6_17_2014_9_21_46_AM.png

image upload no limit

 

 

I'm like REALLY!?!?!

 

Dispute it online.

 

Just put the dispute reason "this account is to old to be on my report" ?

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http://creditboards.com/forums/index.php?showtopic=155334

 

Link is for an obsolete letter thread.

here are letters

 

Is this a YMMV kind of chance? I tried to call TransUnion yesterday and said they were obsolete and the girl literally counted from 07-14 1 by 1 and said no in July this will come off.....

 

I said wtf...

Dispute it online and be done.

 

+1

 

Don't waste time with letters or phone calls. The easiest way to get an obsolete dispute to work is to do it online.

 

 

 

 

I hope so because this is the crap I run into. You can clearly see on my report that my 120 day late is Sep 07 - so whats 120 before that june 07... <sigh> And then the other accounts are being reported with the wrong dates (I know when I lost my job in 07). And since this accounts DOFD is .listed as...10/07 i get can't delete....

 

 

6_17_2014_9_21_46_AM.png

image upload no limit

 

 

I'm like REALLY!?!?!

 

Dispute it online.

 

Just put the dispute reason "this account is to old to be on my report" ?

 

Yes.

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