I know this thread is a few weeks old but hopefully I can get an answer. I am currently disputing the NY 5 year rule with EX and EQ (TU dropped the TL on their own). Assuming I am able to convince them will the TL drop or just the CO? If the CO drops off will it be replaced with 30/60/90 day lates ? Will this make my score worse by reporting even more lates?
Also, EX is giving me a hard time because the accounts were SIF, spent several minutes on the phone and it only resulted in another investigation. I really need this 5 year rule to work to my advantage because it will remove 1 CO now and the other 2 in early 2014, just in time for me to apply for a mortgage. Any suggestions?
No CA's involved. All 3 accounts are reported by OC.
The entire TL would be excluded. Report back what happens, I'm in the same boat, but will not start my EX battle until next month.
