http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809005#M229819 <p>I was saying when June hits and its still on my report, could I dispute it to have it removed then?</p> Sun, 13 Jan 2013 18:52:27 GMT MrChairman 2013-01-13T18:52:27Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1808983#M229814 <p>I have a Cap 1 C/O that is scheduled to fall off in June. Will it come off auto or will I have to dispute the tradeline? Is there any way I can get it off earlier? Lastly, since this is so old will I see an increase at all in my score?</p> Sun, 13 Jan 2013 18:46:45 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1808983#M229814 MrChairman 2013-01-13T18:46:45Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1808989#M229815 <p>Is it reporting incorrectly?  What would be the reason for a dispute?</p> Sun, 13 Jan 2013 18:50:22 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1808989#M229815 Shogun 2013-01-13T18:50:22Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809005#M229819 <p>I was saying when June hits and its still on my report, could I dispute it to have it removed then?</p> Sun, 13 Jan 2013 18:52:27 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809005#M229819 MrChairman 2013-01-13T18:52:27Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809015#M229823 <p>The CRA is responsible for monitoring the reported DOFD on the OC account, and excluding the charge-off from your credit report no later than 7 years plus 180 days from the reported DOFD.  You need nothing except monitor your report to ensure it happens.  A dispute would not be appropriate, as the issue is not one of inaccuracy of reported information. To attempt earlier exclusion, you can try sending the OC a GW request. </p><p> </p><p>If the charge-off remains in your CR after its required exclusion date, send a complaint to the CRA for their violation of FCRA 605(a)(4).</p><p> </p><p>How much score increase you are likely to see depends upon whether you have any other remaining major derogs.</p><p> </p> Sun, 13 Jan 2013 18:54:19 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809015#M229823 RobertEG 2013-01-13T18:54:19Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809045#M229829 <p>This is my only derog. I just figured since it was so old a score increase would be minimal.</p> Sun, 13 Jan 2013 19:03:57 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap-1-C-O/m-p/1809045#M229829 MrChairman 2013-01-13T19:03:57Z