I'm not as expert as some on here, but what I would do is dispute with the other two CRAs as obsolete. Clearly, if it's fallen off one, then the date is either reported inconsistently (a no-no for the creditor) or the CRAs are just administering differently. Either way, seems to bode well for getting it removed from the other two very quickly. Good luck!
Starting Score: TU 490 on 11/2012
@lavencedora wrote:I'm not as expert as some on here, but what I would do is dispute with the other two CRAs as obsolete. Clearly, if it's fallen off one, then the date is either reported inconsistently (a no-no for the creditor) or the CRAs are just administering differently. Either way, seems to bode well for getting it removed from the other two very quickly. Good luck!
I disagree, don't dispute, there's no reason too, one of the CRAs just deleted a little early, it happens. A dispute could mess the whole thing up and prolong the agony.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Listen to Shogun, not me.
Hmmm ... a lot of people have been saying that disputes prolong the agony. My experience has been good with CRAs doing pretty quick deletions for obsolete items or items with backup letters from creditors promissing deletion. So, I didn't really realize that this would do anything but expedite. A couple of times, I have called the CRA, said I had a letter, faxed it to them and within the week it was done.
@lavencedora wrote:Listen to Shogun, not me.
Hmmm ... a lot of people have been saying that disputes prolong the agony. My experience has been good with CRAs doing pretty quick deletions for obsolete items or items with backup letters from creditors promissing deletion. So, I didn't really realize that this would do anything but expedite. A couple of times, I have called the CRA, said I had a letter, faxed it to them and within the week it was done.
You did a dispute while providing proof, such as the deletion promises and those that are obsolete. Remember, there is a +180 days that is allowed on COs. That could come into play. I've also found that some CRAs just delete early.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Oh, I see. I thought I understood this to be an obsolete, but I see where there is some latitude on the CO timing that could come into play, plus the possibility the CRA just removed early.
@lavencedora wrote:Oh, I see. I thought I understood this to be an obsolete, but I see where there is some latitude on the CO timing that could come into play, plus the possibility the CRA just removed early.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.