Trying to remove obsolete acct.

[rockbttm442]

As everyone knows TU is great at removing items 6 months early. I had a auto loan with Nuvell and its gone from TU. I've talked to EQ and EX twice now and they won't remove. The lady I spoke with today at EX said I can call back 7/1 and could get it removed then EQ won't budge. Would sending a letter in the mail help or should I call again and see if I can get someone to do it?

[Rebuilding69]

At best, EX & EQ early exclude items 3 months out, unless you get really lucky or it was part of a dispute or something I guess. Alot of times they wont budge until 1 month prior to it falling off naturally.

You can always keep calling back & see if you get someone more lenient.

[rockbttm442]

That's what I keep hearing but I also see people getting them removed earlier. I'm trying to get this removed asap as this is the last major bump holding me back from getting a decent auto loan. 

[gdale6]

Call back and ask for a supervisor, you have to find someone willing to help.

[rockbttm442]

I'll try that one Wednesday since I have the day off. I'll update with the results. 

[RobertEG]

On what basis is the loan scheduled to be excluded?  What derogs were reported?  Was the loan charged-off?

[rockbttm442]

Age of the acct. about to hit 7 years in July. The loan was charged off as unpaid balance.

[Anonymous]

Transunion in the past has deleted obsolete accounts up to six months from the estimated deletion report date.

Equifax in the past has deleted obsolete accounts up to six months from the estimated deletion report date.

Experian is usually up to three months from the estimated deletion report date.

Always best to send letters via certified mail and/or notarized.