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The Master obsolete delete time frame thread


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So CreditKarma is showing that my Midland acct won't be getting deleted.

 

This is the message posted: Account information disputed by consumer, meets FCRA requirements

 

When should I try again? Should it be phone again or mail. I get error messages when I try online.

How many months out was it from falling off?

10/2015 :(

 

 

Too soon. Has to be 6 months or less for TU

 

I have 2 paid TL's that fall off TU 10/2015. April is the 6 month mark to dispute as obsolete correct?

 

Correct.

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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 have been waiting on 3 of them since Feb 15. First estimated date of completion was 3/18, now it is 3/20. What is the time frame for online disputes?

Disputed 5 on TU last week-end, checked progress & it shows 3 of 5 have been completed, not sure if updated or deleted, will have to wait for final report.

ETA for completion is 4/1/15.

All of my TU's were gone pretty well over night. EQ has been my only problem, as with most of us.

 

 

 

Update:

 

YMMV, as TU does not delete instantly or overnight for everyone.

I submitted my disputes on 3/2/14 & I'm still waiting for final report to see if any of my accounts were deleted from my report.

Right now 4/5 are completed.

Edited by SierraStar
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I called into EX and reached someone who did a "complementary" early removal of Midland. It was due to fall off in May.

 

Midland sort of set themselves up for it. Out of the blue, they added a new address to my file (somewhere I never lived or visited in Valdosta GA) so when I called and complained they removed the bad address and the account early.

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Guys,

 

I have reviewed my latest credit report and found that Experian is reporting an account as charged off in Apr 2014 when the DOFD should be Feb 2008. I called and they said since I disputed this before and that the credit grantor reported this i can't dispute. This is a paid charge off. Should i call back or try to mail in a dispute?

 

The DOFD and the last status reported as CO are two different things.

The DOFD should be the same as always - 02/2008.

When the creditor updates the status, it can say CO again on the date last updated - but this does not change the DOFD.

 

I would wait until March (Monday) - and check the EX backdoor to see if it fell off on its own.

If it is still there, make sure the DOFD is still correctly reported as 02/2008, and then call EX back and tell them obsolete, "too old to report".

 

So I call the OC on last Friday and explained to him what Experian said. He verified my information and told me he would take a look at my account and them he would do a AUD (Automated Update) and request it be deleted. He told me to call him on Monday to verify the deletion. I called him on Tuesday and he said it was deleted. I checked my credit report on yesterday and it was gone. WoooHooooo! Moral of the story is if you can't get any love from the CRA's, try the OC. By the way, this was a paid CO. I want to thank everybody who responded to my original post. This is an awesome site.!!!!

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2 weeks until I can dispute as obsolete on TU.

The wait is killing me.

 

Has anyone ever called in at the 6 month mark to dispute as obsolete?

I have seen this question asked a few times but no responses in the affirmative.

 

No need to call in for TU, just do it online simple fast and easy

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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Edited by CreditNewb15
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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

 

 

Affirmative.

Do I need to wait 30 days from its completion to file another?

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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

 

 

Affirmative.

Do I need to wait 30 days from its completion to file another?

 

Yes. We are waiting as well :)

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anyone got any updated TIPS or special phone numbers, helpful employees for equifax? they are brutal.

 

TU - has deleted everything. but one account that they will remove in a few weeks.

EX - sat down on the phone with me for like 30 min and went over every single account and exactly when to call for early deletion..and took off the ones the system would accept.. which was awesome.

EQ - just verifies everything.. talked to like 12 reps and they all wont budge from the EXACTLY 7 years, no sooner on the phone, even tried just saying early exclusion rather then obsolete.. same result..hard enough getting the reps to understand you.. they validate every single online request as well. not looking good. so I just put a freeze on the file and I might have to wait them out.

 

unless of course someone has some good advice :)

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I got ya. I need to be more proactive probably and just ask for someone else haha.

TU is the most frustrating via the telephone. They are the ones who opened the dispute when I just wanted them to delete a trade line early.

yea. if its within 6 months it will auto delete. they call it a "dispute" but its gone in an hour or so. you can't understand them well but its all done by computer algorithm anyway and really out of thier hands. I contested like a dozen accounts on phone and pulled new report.. they were all gone right away.

 

online on the other hand took me a month. it waited to the last day then went into "manual processing" and was then removed later that day.

Edited by thinknot
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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

 

 

Affirmative.

Do I need to wait 30 days from its completion to file another?

 

Yes. We are waiting as well :)

 

 

I thought I was going crazy, guess I gotta wait another 30 days as well. Thanks for the info!

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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

 

 

Affirmative.

Do I need to wait 30 days from its completion to file another?

 

Yes. We are waiting as well :)

 

 

I thought I was going crazy, guess I gotta wait another 30 days as well. Thanks for the info!

 

or just call and you dont have to wait.

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If you currently have disputes with TU, calling will do nothing, as your report is in a "holding" pattern until the 30 days are up.

I called yesterday to find out what the status was of the 4 of 5 completed disputes on my report, as I wanted to know which 4 items they were.

The CSR could not tell me if the 4 items had been deleted or not, nor could he tell me which 1 of the 5 items were they still waiting on.

I also could not get a new report pulled myself to see what may or may not have changed.

I was also told that if a creditor pulled my report right now, they may or may not see the 5 items I disputed.

Edited by SierraStar
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I logged in today to make sure I was familiar with their online dispute process and I can't even figure it out.

 

I am registered, but it just takes me to a page that shows my updated credit report from 2/26.

 

Anyone mind holding my hand through the step-by-step?

Sounds like you have had a dispute complete within the last 30 days.

 

 

Affirmative.

Do I need to wait 30 days from its completion to file another?

 

 

I faxed my dispute when I was stuck at your point. Worked just as well - took about 4 days instead of overnight.

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Eq sux! Still investigating hubby's 12. I mean dang get with the TU program :)

 

So far, my EQ dispute is going badly. I am watching all the accounts I disputed as "obsolete" report CO for march (i'm getting credit alerts for them). Ha!

 

I guess the worst case scenario is they'll still have to come off in a month or two but I am going to re-dispute via fax.

 

Any progress with yours?

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15 days and still waiting on EQ.

 

EQ is brutal. They probably are done manually and that's why they've become a problem with obsolete disputes.

Yep today is day 15 for us as well!! Looks like we may not be eq clear until nov if they don't delete anything early!

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