I have a two-part question At another forum, people recommend if at all possible not allowing derogatory items to "drop off", i.e., to be removed automatically by the CRA after the period of time specified in the FCRA 605(a)(1) through (5). These people say that if you let items "drop off" that the derogatory items will remain forever on your credit file (a "full disclosure"/"full factual" as some call it) according to FCRA 605(b)(1) through (3) Part (1) of my question: I recently ordered a hard copy of my Experian credit report two months ago in May. When I looked online today at my credit report, out of six collection accounts that I'm going to dispute in a letter that I'm planning to send out this week, three of them apparently just now "dropped off" early from my credit report. If it turns out that these three that "dropped off" are permanently still on my credit file, does the FCRA permit me to still dispute them ? Here is how the FCRA seems to define a "consumer file": Part (2) of my question: Regarding derogatory items on a credit report such as collection accounts that are only several months away from "dropping off", on another forum some people recommend disputing those items using the reason that the items are "obsolete". Other people say, no, don't use the reason "obsolete" because: Is this true ?
As a quick follow-up to part (1) of my question, the strategy that I was considering was something like this:
