Has anyone noticed that if something is due to "continue on record until 6-2002" for example, would it automatically fall off the report in the begining off that month (June 1st) or when the month after that rolls around (Jully 1st)? Just curious because I'd rather have them come off automatically and not have to dispute them off... TIA
Someone else posted on the board that for inquiries that are to fall off in a certain month, they stay on until the end of that month regardless of the day of the month. May be the same for accounts too. I guess that makes their jobs easier, doing monthly purges instead of daily purges.
Derogs will usually (in my experience) fall off 30 - 60 days prior to the date the report gives. If you have something due off in the next 3 -4 months, you might want to dispute it as obsolete. Chances are they will just remove it.
we have a bk due to come off in 10/2003 you think we can dispute as obsolete now? never heard of the obsolete defense? does this really work? peace, jimrie
Dear Kittie, If you have something getting ready to fall off soon anyway don't waste your effort disputing, you might wake up a sleeping giant. More often than not something will fall off somewhat before the fall off date, as per LKH.
Thanks everyone for sharing!! Butch, that is exactly why i don't want to dispute it and just let it fall off, but i was just wondering (becasue I am sooo impatient! LOL) at what point in the month it would come off... See... they are paid student loans with DOLA of 6/97 and Equifax deleted 3 of them last year (DOLA 6/96)around the 5 year mark (NY law thing) without me having to dispute, I don't know exactly when they did because i wasn't monitoring them at that point. I am afraid if I dispute that they will turn around and say that student loans are different, blah blah blah, etc. and change some dates or something and just give me a headache! LOL I think i will just play it safe and wait till the beginning of July (assuming they are still there) and dispute them at that point if i have to. Hopefully they will remove them as they did with the ones they removed last year. Thanks guys!! Only one more week till June 1! We shall see!
It's like clock work for me 6yrs 9 months and it's off. especially with EQ, don't know about anyone else but i 've never had them to ride the full 7 yr term
That all depends on whether you are working with Equifax directly or through an affiliate credit bureau. Mine will fall off at the end of the month it is due to expire.
Here's one of those cases where there is no alternative to being patient. Those are interesting life lessons because it teaches patience wheather we like it or not. LOL The typical dispute process often takes 3-6 months anyway, bet then when you start talking student loans it can really get weird. Best to just chew your finger nails and be quiet. imho,
I recently had to dispute a bunch of inquiries, all legit. for mtg shopping, that were well beyond the two years' reporting period. They were removed without any question, but it's up to us to keep track.
