How do I remove IIB on Credit Report?

NYFan63 · ‎06-11-2015

I have read a few threads on here about removing IIB from your CR's. My CH7 BK DC's in Jan 2010. Can I contact each CRA and have them remove the IIB via a dispute or is this frowned upon.

Also, when do the IIB's accounts get removed automatically from your CR? I see on my TU CR that they indicate the "estimated removal dates". Are these accurate?

Thanks in advance.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Scupra · ‎06-11-2015

@NYFan63 wrote:
I have read a few threads on here about removing IIB from your CR's. My CH7 BK DC's in Jan 2010. Can I contact each CRA and have them remove the IIB via a dispute or is this frowned upon.

Also, when do the IIB's accounts get removed automatically from your CR? I see on my TU CR that they indicate the "estimated removal dates". Are these accurate?

Thanks in advance.

Disputing valid information is a no no They will fall off around 7 years from the DoFD, the dates on TU are correct. What you can do is request an early exclusion though.

NYFan63 · ‎06-11-2015

@Scupra wrote:
@NYFan63 wrote:
I have read a few threads on here about removing IIB from your CR's. My CH7 BK DC's in Jan 2010. Can I contact each CRA and have them remove the IIB via a dispute or is this frowned upon.

Also, when do the IIB's accounts get removed automatically from your CR? I see on my TU CR that they indicate the "estimated removal dates". Are these accurate?

Thanks in advance.
Disputing valid information is a no no They will fall off around 7 years from the DoFD, the dates on TU are correct. What you can do is request an early exclusion though.

Thanks Scupra - after I posted this question, I remembered I posted a similar question a couple months back and you were nice enough to respond then as well...so thanks again!

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

Scupra · ‎06-11-2015

Haha! No worries

Anonymous · ‎11-19-2016

How do you request and early exclusion?

Scupra · ‎11-21-2016

@Anonymous wrote:
How do you request and early exclusion?

The only way to truly ask for an "early exclusion" is calling.. The more popular way is to submit a dispute for "too old" and putting in a remark for early deletion.