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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. 

So I have a negative due to fall off of EX in July. My plan has been to call or submit a dispute online tomorrow figuring that's the typical 3-month window for EX. I'm getting trigger happy to get rid of it. Would it be worth a call/online dispute today, or am I wasting my time trying to make a move early? Is there a special number I call for this kind of thing? I've only ever called EX to unfreeze. I also have their daily score update thing and could dispute from there also I believe.

 

I just had another EX removed yesterday. I actually call the number from their "credit tracker" (877) 284-7942. If you signup for $1 you can use that number they don't ask you for a report number so it makes it a little easier. Plus you get your EX FICO which is cool. :)

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So I have a negative due to fall off of EX in July. My plan has been to call or submit a dispute online tomorrow figuring that's the typical 3-month window for EX. I'm getting trigger happy to get rid of it. Would it be worth a call/online dispute today, or am I wasting my time trying to make a move early? Is there a special number I call for this kind of thing? I've only ever called EX to unfreeze. I also have their daily score update thing and could dispute from there also I believe.

I hope you waited till tomorrow as that will be three months. though sometimes they may just put it through that close.

Edited by thinknot
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So I have a negative due to fall off of EX in July. My plan has been to call or submit a dispute online tomorrow figuring that's the typical 3-month window for EX. I'm getting trigger happy to get rid of it. Would it be worth a call/online dispute today, or am I wasting my time trying to make a move early? Is there a special number I call for this kind of thing? I've only ever called EX to unfreeze. I also have their daily score update thing and could dispute from there also I believe.

 

I just had another EX removed yesterday. I actually call the number from their "credit tracker" (877) 284-7942. If you signup for $1 you can use that number they don't ask you for a report number so it makes it a little easier. Plus you get your EX FICO which is cool. :)

 

Yeah, that's what I meant with their daily score thing -- "credit tracker". Good to know. I decided to hold off until tomorrow. Thnx guys!

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Here we go boys. Disputed final two negative TL's of my entire life this morning. Both from same CA for court fines that have been paid for about 3 years.

 

Online w/TU

Too old to be on file, please delete.

Comments: Obsolete.

Fall off date of 10/2015.

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EX update: On 3/8/15, I submitted 4 disputes online and have had two accounts deleted, 1 is Pending and the other is Processed. 1 of the 2 deleted had a DOFD of 7/08 & the other was an old account that I was an AU on that I didn't want on my report any longer.

 

EQ update: All disputes still Pending.

 

 

Got EX results yesterday:

Out of 4 accounts submitted, they deleted 3, updated the 4th.

The 4th account is HSBC, they didn't delete, it went from being listed under my negative accounts to being listed under my positive accounts.

Unfortunately they also updated the removal date to remain until 2020, the other HSBC account had earlier been also moved & updated to be removed 2019.

So now I have only one Midland remaining, the DOFD is 8/15 & one 30 day for Wells that should come off 8/15.

EX is almost clean.

 

Still waiting on EQ, no surprise there.

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Bummer. No go for me. The agent told me it was scheduled to come off on a date near the end of July and as such I need to call back in a few weeks when it hits exactly 3 months from that date. Too bad.....been looking forward to getting this one gone.

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Bummer. No go for me. The agent told me it was scheduled to come off on a date near the end of July and as such I need to call back in a few weeks when it hits exactly 3 months from that date. Too bad.....been looking forward to getting this one gone.

 

For Transunion? Call again.

Tell them you want to dispute the item as obsolete.

Or just do it online.

 

Mine was scheduled to come off 10/2015 and is now gone.

 

I have two in EX that are scheduled to come off Mid-may and one that doesn't list a time, though DOLA and DOFD should be around the same time frame, May/June. Should I call or do it online for all three?

 

I'd do it online like others have suggested.

For all 3.

The last few pages, everyone has had success with EX at worst- 2 months out.

Edited by CreditNewb15
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What are people's results with disputing in person?

 

I am locked out of TU online currently.

The obsolete dispute I tried in person this morning has already removed the negative account due to fall off 10/2015.

(6 months early)

 

The first lady I talked to wouldn't do it.

The second guy I called, I specifically asked to file a dispute against the account as obsolete.

It was gone two hours later.

 

I've also had immediate success with all 3 CRAs when calling to remove (dispute) names and addresses.

Edited by CreditNewb15
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Here we go boys. Disputed final two negative TL's of my entire life this morning. Both from same CA for court fines that have been paid for about 3 years.

 

Online w/TU

Too old to be on file, please delete.

Comments: Obsolete.

Fall off date of 10/2015.

My only collection falls off 10/2015 .. Im thinking about waiting another month before I pull the trigger . 5 months out is better than 6 . Probably won't make a difference to be honest . Edited by Refugee47
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My only collection falls off 10/2015 .. Im thinking about waiting another month before I pull the trigger . 5 months out is better than 6 . Probably won't make a difference to be honest .

 

 

If it's a TransUnion dispute, just do it today.

It's working for everyone at 6 months early.

Edited by CreditNewb15
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Bummer. No go for me. The agent told me it was scheduled to come off on a date near the end of July and as such I need to call back in a few weeks when it hits exactly 3 months from that date. Too bad.....been looking forward to getting this one gone.

 

For Transunion? Call again.

Tell them you want to dispute the item as obsolete.

Or just do it online.

 

Mine was scheduled to come off 10/2015 and is now gone.

 

No, for EX. I guess I didn't realize there was an exact date -- I thought it only went by month. Maybe I should try online? Or wait it out until the last week of the month?

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What are people's results with disputing in person?

 

I am locked out of TU online currently.

The obsolete dispute I tried in person this morning has already removed the negative account due to fall off 10/2015.

(6 months early)

 

The first lady I talked to wouldn't do it.

The second guy I called, I specifically asked to file a dispute against the account as obsolete.

It was gone two hours later.

 

I've also had immediate success with all 3 CRAs when calling to remove (dispute) names and addresses.

 

When I say in person I mean like walking up to the headquarters of TU, going inside and asking the secretary where the dispute dept is because you are there to file a dispute. When she replies with, "Of course sir, but I have to verify your identity first." You say, "Certainly! Here is my report # along with my State ID and a copy of a utility bill." She then would guide you onto an elevator labled "DiSpUtEs". When the elevator doors open you see lots of little elves running around and processing disputes.

 

If you pull out your UZI and "Light 'em up" Turn to page 147

 

If you politely ask the young sexy female elf walking towards you where the lavatory is turn to page 74

 

 

 

 

That's what I meant when I said,

 

What are people's results with disputing in person?

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What are people's results with disputing in person?

I am locked out of TU online currently.

The obsolete dispute I tried in person this morning has already removed the negative account due to fall off 10/2015.

(6 months early)

 

The first lady I talked to wouldn't do it.

The second guy I called, I specifically asked to file a dispute against the account as obsolete.

It was gone two hours later.

 

I've also had immediate success with all 3 CRAs when calling to remove (dispute) names and addresses.

When I say in person I mean like walking up to the headquarters of TU, going inside and asking the secretary where the dispute dept is because you are there to file a dispute. When she replies with, "Of course sir, but I have to verify your identity first." You say, "Certainly! Here is my report # along with my State ID and a copy of a utility bill." She then would guide you onto an elevator labled "DiSpUtEs". When the elevator doors open you see lots of little elves running around and processing disputes.

 

If you pull out your UZI and "Light 'em up" Turn to page 147

 

If you politely ask the young sexy female elf walking towards you where the lavatory is turn to page 74

 

 

 

 

That's what I meant when I said,

What are people's results with disputing in person?

And if colt 1911 45 plus a score boost of 150 points page 545 oh yea and if you say thank page 566 subsection 1-22b

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My only collection falls off 10/2015 .. Im thinking about waiting another month before I pull the trigger . 5 months out is better than 6 . Probably won't make a difference to be honest .

 

If it's a TransUnion dispute, just do it today.

It's working for everyone at 6 months early.

It is TU indeed . I'm aftaid if they verify I won't be able to dispute it a month or two .

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