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dispute question

Regular Contributor

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??
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: dispute question

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

Message 2 of 12
Epic Contributor
Regular Contributor

Re: dispute question

I was hoping they would be gone asap so I can re apply for discover it. lol
Message 4 of 12
Established Contributor

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+
Message 5 of 12
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 12
Regular Contributor

Re: dispute question

I disputed the 90 day late lvnv was reporting. and I thought the oc was 7 years
Message 7 of 12
Regular Contributor

Re: dispute question

their supposed to fall off in June according to annual credit report
Message 8 of 12
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 12
Regular Contributor

Re: dispute question

yea but transusion deleted the whole trade line
Message 10 of 12