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Regular Contributor
dabolts_619
Posts: 108
Registered: ‎12-19-2011

dispute question

I dispute the oc and ca on all 3 reports past 7 year rule, transusion already deleted. Will the other 2 do the same??
Frequent Contributor
SLR72689
Posts: 313
Registered: ‎02-15-2013

Re: dispute question

I've had 7 collections removed from Experian this month and they were all deleted within a week of the dispute.

Community Leader
Mega Contributor
guiness56
Posts: 14,560
Registered: ‎01-17-2008
Regular Contributor
dabolts_619
Posts: 108
Registered: ‎12-19-2011

Re: dispute question

I was hoping they would be gone asap so I can re apply for discover it. lol
Contributor
Leadberry
Posts: 235
Registered: ‎01-31-2013

Re: dispute question


dabolts_619 wrote:
I was hoping they would be gone asap so I can re apply for discover it. lol

Every dispute I've initiated in recent history has taken the full 30 days, with one TL on TU being the exception.



Current FICO: EX 651 (Amex, 2/28/13), EQ 701 (myFICO 6/9/13), TU 688 (WM TU08, 6/3/13)
Moderator
Shogun
Posts: 7,628
Registered: ‎04-15-2011

Re: dispute question

Just remember there is the +180 days that can come into play with thise.  However I have noticed that most will just fall off in 7 years.


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Regular Contributor
dabolts_619
Posts: 108
Registered: ‎12-19-2011

Re: dispute question

I disputed the 90 day late lvnv was reporting. and I thought the oc was 7 years
Regular Contributor
dabolts_619
Posts: 108
Registered: ‎12-19-2011

Re: dispute question

their supposed to fall off in June according to annual credit report
Moderator
Shogun
Posts: 7,628
Registered: ‎04-15-2011

Re: dispute question

OC is 7 years + 180 days max on the CRTP.  But most delete after just 7 years.  I would follow the drop off date that is listed.  So by June they would be deleted.


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Regular Contributor
dabolts_619
Posts: 108
Registered: ‎12-19-2011

Re: dispute question

yea but transusion deleted the whole trade line

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