Experian and Trunsunion dates of removal are different by 3 months.

[Anonymous]

When reviewing my credit reports from Transunion and Experian, I noticed that the "estimated date this item will be removed" date from Transunion is different than the "This account is scheduled to continue on record unti" date from Experian. The Experian date is actually earlier, to my surprise (hate Experian).

For one of my accounts, the date of removal is December 2015 onTransunion, and the date is October 2015 on Experian. the Date of First Delinquency showing on Transunion looks like it's January, 2009. Hard to tell if the dates of first delinquency are the same or not, since Experian doesn't appear to show that in the tradeline information. Is this common, or is there a discrepancy somewhere?

[Anonymous]

not uncommon at all. Ihave recently removed 7 baddies from my files and all of them had a month or two of difference in DOFD and scheduled to be removed.

[EW800]

I too show a difference of a month or two on my negative TL's, as far as removal date. I'm guessing not all that uncommon. Perhaps has to do with when the DoFD was first reported to each CRA?

[RobertEG]

The DOFD that is reported for the same debt must be the same with each CRA.

It is a factual date based only on your accunt history with the creditor.

The maximum statutory exclusion date is no later than 7 years plus 180 days from the reported DOFD.

Each CRA usually builds in its own early eaclusion cushion to ensure they dont exceed the statutory max date.

It is usually around 6 months, but can vary.  Thus, you wont see consistent exclusion date estimates amongst the CRAs.

Yes, it is very common.