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Discussion in 'Credit Talk' started by eddie, Aug 1, 2001.
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part of the reason they get removed is because the derogs (if paid) are no longer in the creditor database (thank God they purge accounts after several years).
I got several removed at the 4 year mark because of this.
Marie these have been disputed redisputed and disputed again all to no avail. What I am asking about is early removal by the cra as they approach the 7 year mark. Maybe 2 or 3 months early. I have seen this referred by some posters but havent seen any actual details posted.
I had an account that was supposed to be removed from Experian on 11/2000 but disappeared in 9/2000. I disputed another item and when the updated report came that particular item was gone. Thats the only item I have had fall off. I disputed the others and had them removed.
The ACTUAL removal time is really 6 years 10 months.
Someone posted on bayhouse a while ago (another site no longer running) that they called equifax within 3 months of the dropoff date and asked a rep if they could be deleted. They were and the person was told that they could be deleted up to 3 months before the 7 year anniversary.
Yes, I had this happen with Trans Union and a paid judgement. I called up and told them I was going for a mortgage, and basically pled my case as far as removing it in April. (It was due to fall off 7/01.) They told me they would have to check with a supervisor and would get back to me. I got an updated report later that week, and it was deleted.
I had a BK that fell off 3 months early from all reports.
I had it happen with a car loan-only it was more like 2 years early. Granted these lates were from 1996 or so, but..hey, every little bit helps.
Also, I have noticed when I dispute never late or wrong dates sometimes when it comes back either verified or changed, some of the lates are gone. Specifically, I did this recently on a Cap One account. They deleted all but one late-and it was not my newest.
Equifax and Experian automatically remove 3 months early, TU is one month early