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The Master obsolete delete time frame thread


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Called TU for a collection that drops off 10/2015 , the lady said she can delete 6 months early but the actual DOFD is 11/28/2008 so I have to call back after April 28th . I had no idea they go count these things by the day .

 

TU did not go by the exact day for me.

I'd call again and ask another rep.

 

But..... if your DOFD is 11/2008 and not 10/2008 they might not delete it until May 1st.

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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 am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

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Just dispute with TU alternate form. Will report back how long it takes to remove obsoletes

What's the difference between the regular dispute page and this alternate form ?

 

 

The alternate form doesn't show you your report. You have to enter the report #, creditor and acct # from a report you already have (preferably a paper report).

You also have to type in the substance of your dispute.

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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

Edited by thinknot
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I tried obsolete disputes with TU last month 7 months early and they weren't deleted. I disputed the same accounts as obsolete yesterday with TU, and they were gone yesterday!

 

Disputes were all done online.

Just remember it needs to be 6 months out with TU not 7. Congratulations

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I tried obsolete disputes with TU last month 7 months early and they weren't deleted. I disputed the same accounts as obsolete yesterday with TU, and they were gone yesterday!

 

Disputes were all done online.

Just remember it needs to be 6 months out with TU not 7. Congratulations

 

 

I know that. I was testing the limits.

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I know that. I was testing the limits.

 

 

I think he's elderly, if I had to guess.

 

I haven't been able to skirt any accepted norms with TU, EX, or EQ unfortunately.

Didn't stop me from trying though.

Edited by CreditNewb15
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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

 

 

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

Edited by nocavehoes
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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

 

 

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

 

I'm right there with you, faxing to EQ has been fairly painless so far. I've been using faxzero.com which lets you send 3 sheets plus a plain text cover for free, up to I think 5 a day. Good tool for those 1 off disputes that need to go out using 1980s tech :D

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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

What do you actually say in you letter

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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

What do you actually say in you letter

 

 

John Doe

Social Security #: 111-22-3333

DOB: 4/1/1901

Email: johndoe@gmail.com

 

Address:

1234 Fake Rd.

Los Angeles, CA 90080-3849

Please remove the following obsolete account on my credit report. Thank you.

 

MIDLAND FUNDING LLC #998877**** - Too old to report. Other 2 CRAs have already removed. Please remove.

 

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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

 

 

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

 

I'm right there with you, faxing to EQ has been fairly painless so far. I've been using faxzero.com which lets you send 3 sheets plus a plain text cover for free, up to I think 5 a day. Good tool for those 1 off disputes that need to go out using 1980s tech :D

 

only thing i worry about those places like faxzero im guessing they store content and i always get the feeling me info is gonna be posted on some site 5 years down the road. I just send them from my sisters bank she works at. but I do use faxzero for things that don't require like my social or dob or copy of my ID.. anything like that.

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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

I'm right there with you, faxing to EQ has been fairly painless so far. I've been using faxzero.com which lets you send 3 sheets plus a plain text cover for free, up to I think 5 a day. Good tool for those 1 off disputes that need to go out using 1980s tech :D

only thing i worry about those places like faxzero im guessing they store content and i always get the feeling me info is gonna be posted on some site 5 years down the road. I just send them from my sisters bank she works at. but I do use faxzero for things that don't require like my social or dob or copy of my ID.. anything like that.
hmmm, good point.
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I am having a little success with EQ. I disputed 5 (no longer liable, obsolete) they deleted 2 in the results. Then, oddly enough, they removed another two a couple days later that still were not due to fall off until June.

 

I am working on my last one via FAX. First time they responded back that the account I disputing no longer is on my credit report. It is, they are crazy, so I have re-faxed the same dispute with my latest credit report. I'll keep you updated.

 

The good thing about FAX disputes is they seem to handle them very quickly. Within days they show up on the online view disputes page and are complete, ready to view. I am not waiting a month for another online dispute, no thanks!

good to hear. and those were all FAX disputes? did you have to send ID? thanks

 

 

Yes - I ALWAYS send ID. I don't want to give them a reason to pretend it's not me re-disputing. Plus, I am using an online fax service (onlinefaxes.com) so it's simple as attaching the pdf with my ID and the word file with my dispute, every time.

 

I'm right there with you, faxing to EQ has been fairly painless so far. I've been using faxzero.com which lets you send 3 sheets plus a plain text cover for free, up to I think 5 a day. Good tool for those 1 off disputes that need to go out using 1980s tech :D

 

only thing i worry about those places like faxzero im guessing they store content and i always get the feeling me info is gonna be posted on some site 5 years down the road. I just send them from my sisters bank she works at. but I do use faxzero for things that don't require like my social or dob or copy of my ID.. anything like that.

 

True enough and definitely a possibility. I don't send my SSN through them and the only utility bill I use for ID verification is the local water company, nothing available on a national or even regional scale. All the information being sent (my name, address, which water co services my address, and yes even my DOB) is in theory all publicly available information already. Which is a whole 'nother can of worms...

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For me online disputes looks like they are deleted 4 months early. That's what my disputes are showing anyway

For EQ deletions?

 

Yes. I disputed an account in feb that should be deleted in july. No go. Disputed first week of march and was deleted. Disputed many in march due to be deleted in aug no go. Disputed again 3 days ago and they were removed. I am in SC if that matters

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For me online disputes looks like they are deleted 4 months early. That's what my disputes are showing anyway

For EQ deletions?

 

Yes. I disputed an account in feb that should be deleted in july. No go. Disputed first week of march and was deleted. Disputed many in march due to be deleted in aug no go. Disputed again 3 days ago and they were removed. I am in SC if that matters

 

Nice job....Can I ask what type of accounts they were and if they were with the OC - Paid or unpaid?

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For me online disputes looks like they are deleted 4 months early. That's what my disputes are showing anyway

For EQ deletions?

 

Yes. I disputed an account in feb that should be deleted in july. No go. Disputed first week of march and was deleted. Disputed many in march due to be deleted in aug no go. Disputed again 3 days ago and they were removed. I am in SC if that matters

 

Nice job....Can I ask what type of accounts they were and if they were with the OC - Paid or unpaid?

 

Thank u. Still have 22 to go!! Oc's and they were not paid

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For me online disputes looks like they are deleted 4 months early. That's what my disputes are showing anyway

For EQ deletions?

 

Yes. I disputed an account in feb that should be deleted in july. No go. Disputed first week of march and was deleted. Disputed many in march due to be deleted in aug no go. Disputed again 3 days ago and they were removed. I am in SC if that matters

 

Nice job....Can I ask what type of accounts they were and if they were with the OC - Paid or unpaid?

 

Thank u. Still have 22 to go!! Oc's and they were not paid

 

Thanks, that makes me want to give my last derog a shot, 1 CO due to come off in August that's already gone from TU and I've been working on EX this week but no go so far.

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For me online disputes looks like they are deleted 4 months early. That's what my disputes are showing anyway

For EQ deletions?

 

Yes. I disputed an account in feb that should be deleted in july. No go. Disputed first week of march and was deleted. Disputed many in march due to be deleted in aug no go. Disputed again 3 days ago and they were removed. I am in SC if that matters

 

Nice job....Can I ask what type of accounts they were and if they were with the OC - Paid or unpaid?

 

Thank u. Still have 22 to go!! Oc's and they were not paid

 

Thanks, that makes me want to give my last derog a shot, 1 CO due to come off in August that's already gone from TU and I've been working on EX this week but no go so far.

 

Experian has been doing 3 months early. I would try eq. Nothing to lose. All of ours will be gone by aug if they keep deleting 4 months early. TU clean in 24 more days :)

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