I remember reading a thread several months ago that if you are within a month or two of 7 years of negative items getting ready to fall off your credit report that you can contact the specific credit bureau and have some type of "courtesy" deletion since it's so close to dropping off on its own. Is this true and is there a certain method to follow? I have 4 items that will fall off in April, 2004 and May, 2004. I did not dispute them since it's so close to falling off as I didn't want to "wake up" any creditors, but I'm wondering if I can contact the credit bureau and have them deleted now.
I have no experience, but it feels like asking for a deletion in the previous month would be perfectly reasonable, given the expected delay. For example, I have a tax lien marked as released in May of 97. I'm planing on sending a dispute in April, based on the 30 days they have to "investigate". I figure the worst case is they decline and two weeks later I'm a bit more insistent.
Actually, EXP will remove negative stuff up to 3 mos prior to the 7-year DOLA clock. In TU's case, at 2 mos prior, I disputed as obsolete, gone in 48 hours. EQF was downright awful, waiting the ENTIRE 7 years.
Yeah just go ahead and dispute them as obsolete, or my personal fave "obsolete and being illegally reaged".
