What's the best way to find out when a TL will fall off?
Starting Score: 667EX 599EQ 687TU
Pull your reports from www.annualcreditreport.com
EX and TU will give you a date that it is expected to be excluded
EQ will give you the DoFD, you would figure 7 years from that date. (Note: there could be a +180 days from this date)
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.
I have a mortgage listed on EQ that says DOFD 5/07. Do you think I could just call EQ and they may remove it early?
I too have been getting items removed from my credit reports and EQ usually doesn't delete no more than 30DAYS before actual deletion date. Transunion has deleted everything just ask. LOL I usually call late night foreign call center.
I have had 14 items deleted from TU in the last 30days. Experian will deleted 4-5 months early.
@Libra85 wrote:I too have been getting items removed from my credit reports and EQ usually doesn't delete no more than 30DAYS before actual deletion date. Transunion has deleted everything just ask. LOL I usually call late night foreign call center.
whom exactly are you calling? that's interesting, i'd like to try that.
Can you post the numbers you are calling?
Wow who are you contacting? Please let me know
Starting Score: 520
+1
I'm calling the standard 1-800 numbers.
Equifax 1-800-685-1111 or 1-866-229-7861
TransUnion 1-800-916-8800
Experian 1-800-493-1058
Choose the options about general questions about credit reports or just as to speak to a crs. You are not actually disputing anything you are asking for early removal. "ALL" of my items were scheduled to come off between Dec 2013-Aug 2014.
I have one item left on Experian and that's the Aug2014 will call back March 1st.
I have three items left on Equifax April, May, and June
I have done the same... TU, EX and EQ have been removing my stuff early. I have had 3 things come off this month that were dated to fall off 07/14