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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. 

FYI I called TU this morning with a Paid account DOFD of Jan 2008 AND they denied it...I also tried two more times with the same result. So what's up with this?

 

I missed one payment in Jan 2008...

I'm not to sure, I can only tell you about my experience.

 

 

I disputed all my items online with past 7 years / obsolete.

 

So far I've only got back equifax with confirmed 5/8 accounts (the 3 that were confirmed had about 4 months left to 7 years). I pulled my credit report and all but one of those accounts still remained. That one account was a collect account, but now is listed as a closed account....

 

 

I've yet to get the snail mail of experian and transunion.

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FYI I called TU this morning with a Paid account DOFD of Jan 2008 AND they denied it...I also tried two more times with the same result. So what's up with this?

 

I missed one payment in Jan 2008...

I'm not to sure, I can only tell you about my experience.

 

 

I disputed all my items online with past 7 years / obsolete.

 

So far I've only got back equifax with confirmed 5/8 accounts (the 3 that were confirmed had about 4 months left to 7 years). I pulled my credit report and all but one of those accounts still remained. That one account was a collect account, but now is listed as a closed account....

 

 

I've yet to get the snail mail of experian and transunion.

 

Well here is my experian dispute just came in

 

 

FYI I called TU this morning with a Paid account DOFD of Jan 2008 AND they denied it...I also tried two more times with the same result. So what's up with this?

 

I missed one payment in Jan 2008...

I'm not to sure, I can only tell you about my experience.

 

 

I disputed all my items online with past 7 years / obsolete.

 

So far I've only got back equifax with confirmed 5/8 accounts (the 3 that were confirmed had about 4 months left to 7 years). I pulled my credit report and all but one of those accounts still remained. That one account was a collect account, but now is listed as a closed account....

 

 

I've yet to get the snail mail of experian and transunion.

 

 

 

Here is my experian dispute

 

CAP ONE

Account Number: ....... Outcome: Deleted

 

CKS FINANCIAL

Account Number: ....... Outcome: Deleted

 

ENHANCED RECOVERY CO LLC

Account Number: ... Outcome: Deleted

 

FIRST PREMIER BANK

Account Number: ....... Outcome: Updated

 

FIRST PREMIER BANK

Account Number: ....... Outcome: Updated

 

GM FINANCIAL

Account Number: ....... Outcome: Updated

 

HSBC BANK

Account Number: ....... Outcome: Deleted

 

MIDLAND FUNDING

Account Number: ....... Outcome: Remains

 

PINNACLE CREDIT SERVICES

Account Number: ....... Outcome: Updated

 

SALLIE MAE

Account Number: ....... Outcome: Updated

 

SYNCB/JCP

Account Number: ....... Outcome: Deleted

 

NATIONAL RECOVERY AGENCY

Account Number: ... Outcome: Deleted

 

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FYI I called TU this morning with a Paid account DOFD of Jan 2008 AND they denied it...I also tried two more times with the same result. So what's up with this?

 

I missed one payment in Jan 2008...

I'm not to sure, I can only tell you about my experience.

 

 

I disputed all my items online with past 7 years / obsolete.

 

So far I've only got back equifax with confirmed 5/8 accounts (the 3 that were confirmed had about 4 months left to 7 years). I pulled my credit report and all but one of those accounts still remained. That one account was a collect account, but now is listed as a closed account....

 

 

I've yet to get the snail mail of experian and transunion.

 

Well here is my experian dispute just came in

 

 

FYI I called TU this morning with a Paid account DOFD of Jan 2008 AND they denied it...I also tried two more times with the same result. So what's up with this?

 

I missed one payment in Jan 2008...

I'm not to sure, I can only tell you about my experience.

 

 

I disputed all my items online with past 7 years / obsolete.

 

So far I've only got back equifax with confirmed 5/8 accounts (the 3 that were confirmed had about 4 months left to 7 years). I pulled my credit report and all but one of those accounts still remained. That one account was a collect account, but now is listed as a closed account....

 

 

I've yet to get the snail mail of experian and transunion.

 

 

 

Here is my experian dispute

 

CAP ONE

Account Number: ....... Outcome: Deleted

 

CKS FINANCIAL

Account Number: ....... Outcome: Deleted

 

ENHANCED RECOVERY CO LLC

Account Number: ... Outcome: Deleted

 

FIRST PREMIER BANK

Account Number: ....... Outcome: Updated

 

FIRST PREMIER BANK

Account Number: ....... Outcome: Updated

 

GM FINANCIAL

Account Number: ....... Outcome: Updated

 

HSBC BANK

Account Number: ....... Outcome: Deleted

 

MIDLAND FUNDING

Account Number: ....... Outcome: Remains

 

PINNACLE CREDIT SERVICES

Account Number: ....... Outcome: Updated

 

SALLIE MAE

Account Number: ....... Outcome: Updated

 

SYNCB/JCP

Account Number: ....... Outcome: Deleted

 

NATIONAL RECOVERY AGENCY

Account Number: ... Outcome: Deleted

 

 

 

 

So for the ones above, the two for First Premier that were updated, one is not on the report and one is there.

 

How long till I can be certain that these are permanently gone?

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My DOFD of my one and only late is 01/2008 and was paid 02/2008. SO you think I need to wait to the earliest being August 2014 for TU to delete (that would be 6.5 years)? AND Yes I want the whole Account deleted.

 

That would be 6.5 years from my payment....how picky can TU get!

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My friend is trying to delete some accounts from experian that are due to delete in jan 2015. What does he do exactly? I know he needs to login with report number and what are the next steps?

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My friend is trying to delete some accounts from experian that are due to delete in jan 2015. What does he do exactly? I know he needs to login with report number and what are the next steps?

Experian generally does not delete before 3 months of DOFD and won't at all if they list a scheduled drop off date prior to that. They may want to look into doing a jack attack on it or trying to get a Obsolete delete sometime in October.

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My friend is trying to delete some accounts from experian that are due to delete in jan 2015. What does he do exactly? I know he needs to login with report number and what are the next steps?

Experian generally does not delete before 3 months of DOFD and won't at all if they list a scheduled drop off date prior to that. They may want to look into doing a jack attack on it or trying to get a Obsolete delete sometime in October.

I thought I read some people doing 6 months before on experian? Did I misread?

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My friend is trying to delete some accounts from experian that are due to delete in jan 2015. What does he do exactly? I know he needs to login with report number and what are the next steps?

Experian generally does not delete before 3 months of DOFD and won't at all if they list a scheduled drop off date prior to that. They may want to look into doing a jack attack on it or trying to get a Obsolete delete sometime in October.

I thought I read some people doing 6 months before on experian? Did I misread?

 

It's possible I misread, but I thought I saw 3 months Experian (If they don't already have a date listed for drop off that is before the 7 years) 3-6 months Equifax but typically not 6 months, and 6 months Transunion.

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My friend is trying to delete some accounts from experian that are due to delete in jan 2015. What does he do exactly? I know he needs to login with report number and what are the next steps?

Experian generally does not delete before 3 months of DOFD and won't at all if they list a scheduled drop off date prior to that. They may want to look into doing a jack attack on it or trying to get a Obsolete delete sometime in October.

I thought I read some people doing 6 months before on experian? Did I misread?

 

I'm sure some people were fortunate and were able to get EX to delete earlier than 3 months. But as a general rule of thumb they will delete 3 months out as a courtesy.

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When I login in to TU it says this:

Dispute Status 5 of 6 Items Completed
If all six negative trade lines are still on my daily pulls is it safe to assume that those 5 already completed wont be removed?
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