General Credit Topics

[ah32]

Just wondering when I should expect an old account to drop off.  I disputed some time ago and on my credit reports, it says the file will remain until July 2007.  I'm anxiously awaiting it to drop of so I can buy a house with a higher score.  When do you think it will actually drop off? July 1st? July 31st? August 1st? Thanks in advance for the advice!

[Timothy]

There is an actual date associated with the drop off date.
IMHO-If Aug 1st roles around and they are still there call the CRA

I just disputed the ones that were supposed to drop off in July with TU and they deleted. I only advise you do this if: You know the CR has the proper date or the date should be earlier and you are past the SOL.

[Tuscani]

Go ahead and dispute it now as "obsolete". There is a pretty good chance the CRA will just delete.

[cinoeye]

In my case in usaly next month, wich means August.

Actualy I do have 1 Inq scheduled to go off in July and when I checked my CR, is stated this INq will be deleted in August.

I guess its the same for accaunts?

Message Edited by cinoeye on 06-16-2007 02:35 PM

[ah32]

I'm afraid to do anything because it's a government overpayment.  While in school I received Chapter 35 benefits.  I was eligible for these benefits as long as I was in school.  In order to receive these benefits, the school had to certify that I was in school and passing.  I received benefits for four months.  I had some health problems, didn't withdraw in time, and ended up failing my courses.  The VA then sees this as an overpayment.  I didn't take care of it (because I couldn't afford to) and now it's on my credit report.  Because it's a government thing, I'm afraid to dispute! Does anyone have any experiences with government charge-offs? I didn't even know it could be dropped off until I disputed it two years ago.  Thanks for the advice!

[ah32]

Based on my previous thread, would you still dispute? Thanks for the info.  Just want to make doubly sure I'm doing the right thing...

[Tuscani]

You can still dispute.. worse case scenario the CRAs verify and it drops of next month anyway.

[ah32]

Thanks! I hate to sound redundant, I was concerned because it was a "government" overpayment.  Do lates and judgements for student loans drop off too?

[Tuscani]

---

ah32 wrote:

Thanks! I hate to sound redundant, I was concerned because it was a "government" overpayment.  Do lates and judgements for student loans drop off too?

---

yes.. the whole TL would be deleted.

[thatgrri3]

I have an overpayment from my va benefits on my cr.  Although the overpayment was already resolved, it still shows as a closed/paid collection account.  I've already printed out a gw letter that I am going to send to them to see if they will remove it.  I don't think it can hurt anything to try.