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I've heard that you can dispute and remove obsoletes from experian within 6 months of the 7 year mark, and was wondering if this was true cause I didn't want to waste my one shot.
The only way so far I have been able to dispute obsoletes is over the phone, I did it for the first time a few months back and had everything I disputed removed but were all within 2 months of the 7 year mark, do you think I can do it again and have everything within 6 months removed?
I've been having a lot of luck with transunion online seems they delete automatically if you delete it as obsolete within 6 months of being obsolete.
Equifax I have not had any luck with having them remove anything as obsolete. I only had two more I need to remove that fall off in 4/15 and they said they won't remove them.
Hey fellow CBers:
I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! )
My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question:
1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will this Freedom Invitation be null and void with those recent approvals?
2) If I can apply, do I apply NOW? Or wait til I B* TU and freeze EX? (I am worried if I do this the new accounts will be reporting by then (total 6) and as of right now only Barclay's is reporting with 6 INQ on TU, but I can't freeze EX via online, says I must mail in, so I will call Monday.
Any and all recommendations are appreciated! Thanks to all again, I will be updating CPDB and posting my approvals in the next few days. I know they are baby steps, but I am very happy with results and have CB and all of the awesome members here to thank!!!
I've said it before and I'll say it again. This site is such a fountain of knowledge. So, I had my first victory after creating my "hit list" of items that I wanted to tackle on my CR. The first was an old BofA TL that was charged off ($770) on my credit that was still showing as a bad debt. After reading about people getting TL deleted for being obsolete, I checked and saw that this account was about 6 months from dropping off (March, 2015). I decided to try to get it taken off a little early. I disputed this as obsolete with all 3 CRA's and it worked! I really expected EX to fight about it based on what I've read, but they were the 2nd one to delete it (after TU). EQ was the one who was dragging their feet about doing it, but I finally heard from them today. It's not much, and it probably won't move the needle with regard to my FICO scores, but I'm excited to see that it actually worked and my credit is now just a little bit cleaner. Baby steps.
Next up, I'm going after Santander to get their auto repo removed. Wish me luck!
BBOK/CENTRAL BK & TR?
«Banker's Bank of Kansas» in Wichita, KS
member of BBoK is Central Bank and Trust, in Wichita KS
Only familiar names in KS are Dorothy, Glenda, and Credit Karma, which I have not pulled in 8 mos..
WHO could this be? Inquiring minds wish to know= HELP.