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Regular Contributor
Posts: 165
Registered: ‎12-19-2011
0

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
Posts: 388
Registered: ‎02-15-2013
0

Re: dispute question

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

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0
Regular Contributor
Posts: 165
Registered: ‎12-19-2011
0

Re: dispute question

I was hoping they would be gone asap so I can re apply for discover it. lol
Established Contributor
Posts: 653
Registered: ‎01-31-2013
0

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.

   
FICO Scores 800+
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

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.

Starting Score: 504
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!
Regular Contributor
Posts: 165
Registered: ‎12-19-2011
0

Re: dispute question

I disputed the 90 day late lvnv was reporting. and I thought the oc was 7 years
Regular Contributor
Posts: 165
Registered: ‎12-19-2011
0

Re: dispute question

their supposed to fall off in June according to annual credit report
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

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
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!
Regular Contributor
Posts: 165
Registered: ‎12-19-2011
0

Re: dispute question

yea but transusion deleted the whole trade line
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