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The Master obsolete delete time frame thread


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For those calling TU, do it online!

 

Also, never say that you heard that they will remove it 6 months early. That's like trying to D* an Amex and mentioning "backdating" to Amex.

 

If you must call TU, which you shouldn't, "According to my records, it is too old to be reporting."

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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. 

ugggggg so frustrated. I was waiting till today to dispute my last one as obsolete with EQ and EX. I wanted to do both by phone but I can not figure out how to get to a live person. When I enter my report number they both tell me that it is invalid and that I must do it online or via mail. I am not sure how old my numbers are but I assume they are on the older sides. I didn't realize that they changed.

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I have an account that is DOFD 1/2008 30 days late and paid 2/2008 with TU. I called this morning and asked the Rep as a courtesy can the account be removed. It's 30 days late and paid from 6.5 years ago. He said he had to list it as a dispute in order to remove the account. I have applied for a mortgage and cannot have any disputes on my files. Does TU delete on the phone immediately or do I have to file a dispute which could take up to 30 days ? How do I get rid of this old account quickly?7

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Had an *very* pleasant surprise from Experian this morning. I have been trying to get my last IIB account off of EX and EQ for months now been told this will not be removed until Dec. Information has been consistently wrong and changed every time I disputed it. On my last dispute, they had the status change to "Include in BK Oct 2007" which was wrong, but in my favor since I didn't file til Feb 2008. In any case, logged in to try to dispute it again today and it was *GONE*!

 

Checked EQ but no such luck there. Going to try calling later today although they have the DOFD as 11/2007 so might have to wait another month there...

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wholly crap that was a pain. I had a report number for EX from Jan. I tried going through the automated phone and couldn't get to a person because the report was to old. I then figured I would just dispute it online but again it wouldn't let me do it. I was frustrated but I noticed on EX website that they say you can sign up with their monitoring service and do disputes through their. Luckily they have a $1 7 day trial so I figured I would just do that. I thought that I would get a report number but that type of report doesn't give you one. It took me a while to get it to accept my info but after I finally did I started an online dispute. I noticed that on the first page of the online dispute it gives you a report number. SCOOORRRE... Called in and spoke with Tamika, she told me that my last one was scheduled to stay on until October. I was like ohhh, it came off on the other 2 in July so I am not sure what is wrong. She put me on hold for 20 sec and came back on and said that she would just remove it. She is sending my confirmation via email so I am crossing my fingers that it will actually happen.

 

Within 24 hours my 3 reports might actually be 100% clean.... I think I might cry if that happens and I am a masculine dude.

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I have an account that is DOFD 1/2008 30 days late and paid 2/2008 with TU. I called this morning and asked the Rep as a courtesy can the account be removed. It's 30 days late and paid from 6.5 years ago. He said he had to list it as a dispute in order to remove the account. I have applied for a mortgage and cannot have any disputes on my files. Does TU delete on the phone immediately or do I have to file a dispute which could take up to 30 days ? How do I get rid of this old account quickly?7

I actually had this same issue. When I talked to the CSR they said I had to dispute it, so in frustration I said "Ok I will dispute it". After getting off the phone and remembering what my LO had told me I thought maybe I better try and Un-dispute it. So when I called back to try and get this done it had already been deleted.

In saying this, mine were not quite as far as yours is. I have one that is scheduled to come off on 1\15 and I am going to dispute that today. As far as yours that comes off 2\15... I am not sure if they count August and or Feb as a month or not.... So would that make it seven months?

 

I would do a little research on removing a dispute before putting one in, just in case. Or try and find out of August and or Feb count as a month in counting the 6 months. Or maybe someone with more Knowledge on this, who is reading this thread, might know.

 

Last, i would do it online instead of calling... Unless you need it off today.... If it's eligible and you do it online, it will be off in the morning when you get up :)

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I have an account that is DOFD 1/2008 30 days late and paid 2/2008 with TU. I called this morning and asked the Rep as a courtesy can the account be removed. It's 30 days late and paid from 6.5 years ago. He said he had to list it as a dispute in order to remove the account. I have applied for a mortgage and cannot have any disputes on my files. Does TU delete on the phone immediately or do I have to file a dispute which could take up to 30 days ? How do I get rid of this old account quickly?7

As far as yours that comes off 2\15... I am not sure if they count August and or Feb as a month or not.... So would that make it seven months?

 

I would do a little research on removing a dispute before putting one in, just in case. Or try and find out of August and or Feb count as a month in counting the 6 months. Or maybe someone with more Knowledge on this, who is reading this thread, might know.

 

I would like to know this also

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obsolete disputes will work through Feb 2015 on TU right now if you do it online.

Sweet, Thanks.... I would have disputed my 1\15 last month if I would have known. Wasn't to worried about it though as it's not effecting anything I am trying to do right now.

 

great info... Thanks again

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Thanks Chugs,

I have only called EX once, on this particular baddie, which I didn't have luck with. When you disputed it online did it take the whole 30 day "Investigation time". I am definitely going to call tomorrow and try to pull at their heart strings a little. The DOFD is 2\2008 and on the report from them it says it will be removed 11\2014.

 

Thanks for the help

 

 

For EX, I did the online chat. Go to your EX online file, click on the item that you would like to dispute. Hover the mouse over that item details and let it sit there for several minutes. The chat screen should pop up. Then dispute it as obsolete.

 

They initially said that my derog will stay until a certain date. But it was gone by the next day.

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Thanks Chugs,

I have only called EX once, on this particular baddie, which I didn't have luck with. When you disputed it online did it take the whole 30 day "Investigation time". I am definitely going to call tomorrow and try to pull at their heart strings a little. The DOFD is 2\2008 and on the report from them it says it will be removed 11\2014.

 

Thanks for the help

 

 

For EX, I did the online chat. Go to your EX online file, click on the item that you would like to dispute. Hover the mouse over that item details and let it sit there for several minutes. The chat screen should pop up. Then dispute it as obsolete.

 

They initially said that my derog will stay until a certain date. But it was gone by the next day.

 

I will give it a shot now and see how it goes ;)

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Thanks Chugs,

I have only called EX once, on this particular baddie, which I didn't have luck with. When you disputed it online did it take the whole 30 day "Investigation time". I am definitely going to call tomorrow and try to pull at their heart strings a little. The DOFD is 2\2008 and on the report from them it says it will be removed 11\2014.

 

Thanks for the help

 

 

For EX, I did the online chat. Go to your EX online file, click on the item that you would like to dispute. Hover the mouse over that item details and let it sit there for several minutes. The chat screen should pop up. Then dispute it as obsolete.

 

They initially said that my derog will stay until a certain date. But it was gone by the next day.

 

I will give it a shot now and see how it goes ;)

 

Ya no luck on getting a chat box to pop up... Are you talking about the the report that I pull up when I go to dispute and use my Report Number from my annual credit report?

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wholly crap that was a pain. I had a report number for EX from Jan. I tried going through the automated phone and couldn't get to a person because the report was to old. I then figured I would just dispute it online but again it wouldn't let me do it. I was frustrated but I noticed on EX website that they say you can sign up with their monitoring service and do disputes through their. Luckily they have a $1 7 day trial so I figured I would just do that. I thought that I would get a report number but that type of report doesn't give you one. It took me a while to get it to accept my info but after I finally did I started an online dispute. I noticed that on the first page of the online dispute it gives you a report number. SCOOORRRE... Called in and spoke with Tamika, she told me that my last one was scheduled to stay on until October. I was like ohhh, it came off on the other 2 in July so I am not sure what is wrong. She put me on hold for 20 sec and came back on and said that she would just remove it. She is sending my confirmation via email so I am crossing my fingers that it will actually happen.

 

Within 24 hours my 3 reports might actually be 100% clean.... I think I might cry if that happens and I am a masculine dude.

Keep the tissue handy! I predict great things.

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wholly crap that was a pain. I had a report number for EX from Jan. I tried going through the automated phone and couldn't get to a person because the report was to old. I then figured I would just dispute it online but again it wouldn't let me do it. I was frustrated but I noticed on EX website that they say you can sign up with their monitoring service and do disputes through their. Luckily they have a $1 7 day trial so I figured I would just do that. I thought that I would get a report number but that type of report doesn't give you one. It took me a while to get it to accept my info but after I finally did I started an online dispute. I noticed that on the first page of the online dispute it gives you a report number. SCOOORRRE... Called in and spoke with Tamika, she told me that my last one was scheduled to stay on until October. I was like ohhh, it came off on the other 2 in July so I am not sure what is wrong. She put me on hold for 20 sec and came back on and said that she would just remove it. She is sending my confirmation via email so I am crossing my fingers that it will actually happen.

 

Within 24 hours my 3 reports might actually be 100% clean.... I think I might cry if that happens and I am a masculine dude.

Keep the tissue handy! I predict great things.

 

+1.. and you deserve a clean file for your hard work @future

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wholly crap that was a pain. I had a report number for EX from Jan. I tried going through the automated phone and couldn't get to a person because the report was to old. I then figured I would just dispute it online but again it wouldn't let me do it. I was frustrated but I noticed on EX website that they say you can sign up with their monitoring service and do disputes through their. Luckily they have a $1 7 day trial so I figured I would just do that. I thought that I would get a report number but that type of report doesn't give you one. It took me a while to get it to accept my info but after I finally did I started an online dispute. I noticed that on the first page of the online dispute it gives you a report number. SCOOORRRE... Called in and spoke with Tamika, she told me that my last one was scheduled to stay on until October. I was like ohhh, it came off on the other 2 in July so I am not sure what is wrong. She put me on hold for 20 sec and came back on and said that she would just remove it. She is sending my confirmation via email so I am crossing my fingers that it will actually happen.

 

Within 24 hours my 3 reports might actually be 100% clean.... I think I might cry if that happens and I am a masculine dude.

Keep the tissue handy! I predict great things.

 

+1.. and you deserve a clean file for your hard work @future

 

thank you, and yes it was off when I pulled MPM this morning. No tears, but very happy. Now if we could only find a damn house to buy.

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obsolete disputes will work through Feb 2015 on TU right now if you do it online.

I have a CO and a open CA due to fall off 2/2015 I see the this account is to old to be on file dispute reason for the CO which i clicked on but I don't have that option for the CA so which dispute reason should I click?
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obsolete disputes will work through Feb 2015 on TU right now if you do it online.

I have a CO and a open CA due to fall off 2/2015 I see the this account is to old to be on file dispute reason for the CO which i clicked on but I don't have that option for the CA so which dispute reason should I click?

 

 

That is the case for some reason. OCs actually have that option which drops it quickly. Whenever it is a CA you have to pick another option and then type a reason in the box below. I was using something that said I am not responsible for it anymore or something. Then in the comment box I would write, account is past the time limit for reporting, please remove it ASAP. I am not sure if it was the correct box to use but it worked every time.

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obsolete disputes will work through Feb 2015 on TU right now if you do it online.

 

I have a CO and a open CA due to fall off 2/2015 I see the this account is to old to be on file dispute reason for the CO which i clicked on but I don't have that option for the CA so which dispute reason should I click?

That is the case for some reason. OCs actually have that option which drops it quickly. Whenever it is a CA you have to pick another option and then type a reason in the box below. I was using something that said I am not responsible for it anymore or something. Then in the comment box I would write, account is past the time limit for reporting, please remove it ASAP. I am not sure if it was the correct box to use but it worked every time.

I checked the I no longer liable for this account option and wrote this account is obsolete please remove. I hope that works thanks!
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I had a collection that was only on TU and should have fallen off in either October or January, depending on how you read things. (Was Jan 2007, but TU's report said "This should fall off in October, 2014).

 

After reading this yesterday I did an online dispute of it, marked it "No longer liable for this account" and wrote "Please delete this, my records show it's beyond the legal limit".

 

Woke up to an email this morning, "Your dispute is resolved"

 

I checked and the collection was gone. They also deleted the other dispute which is that my ex-wife's address was showing up on my report when I never lived there.

 

I'm thrilled. I've outlived most of my credit problems by simply not having credit and letting things age off. It's time to attack the few remaining things with full frontal CB attacks!

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For those calling TU, do it online!

 

Also, never say that you heard that they will remove it 6 months early. That's like trying to D* an Amex and mentioning "backdating" to Amex.

 

If you must call TU, which you shouldn't, "According to my records, it is too old to be reporting."

I definitely have 6 accounts IIB that have 2/2015 that I will do now online.

Ifound out Friday my account is in Special Handling - damn what did I do in the past.

Or does my job title 'ding' that SPECIAL dept ; Im just a Paralegal :/

 

anywhot hope to keep you all updated.

 

On another note I was able to get 3 addy's off my EX report online dispute (I checked theyw ere not tied to any accounts). Results were turned over in just 4hrs this Saturday.

 

 

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Disputed an obsolete that is supposed to fall off in Sept. to TU three times and it came back "verified". Fourth time...got my letter today. DELETED. Thank goodness!

 

now it would be nice if I could get the full new copy of my CR like it says in the letter online but I can't...It always tells me I have to request by phone.

Edited by dockfam
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