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Contributor
jordy
Posts: 94
Registered: ‎01-07-2010
0

how long does it take for a collection to be deleted...

anyone have a general idea on how long it should take for a collection to be deleted once it has successfully been gw'd?

i have a letter stating that it will be removed... im just wondering how long does it normally take?

30 days? 14 days? 7-10 business days? or end of that month?... just kinda wanting an idea on how long it took other 

members to have theirs removed...just so i have an idea on mine.... 


Starting Score: EQ 623 (1/28/10) TU 666 (1/28/10)
Current Score:  EQ 666 (3/4/10) TU 708 (3/4/10)
Goal Score:    EQ 680TU 700
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: how long does it take for a collection to be deleted...

Sometimes it can take up to 90 days.  It really depends on how often they report to the CRAs.
Moderator
LIGHTNIN
Posts: 4,189
Registered: ‎03-24-2008
0

Re: how long does it take for a collection to be deleted...

[ Edited ]

Anywhere from 30 to 90 days.It depends on the company you are getting the GW from, on how often they report to the CRA's.

If they report montly, and you just missed the reporting date, right there is 1mo. And then the CRA have to do their thing and

delete it in their computer, and that maybe another month. Credit repairing takes time, just try to have patience.

 

If not deleted after 90days, contact the company and ask them (gently) when will it be deleted. Why, I said gently is because, you are

still wanting something from them, with nothing in return.Just remember they dont have to do this. Try to keep positive thoughts and

your fingers crossed and toes if you can.:smileytongue: LOL  

 

ETA: Wow guiness56, I guess we both were typing at the same time LOL I guess 2 answers the same, is better then none. 

Message Edited by LIGHTNIN on 02-24-2010 12:17 AM
FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Regular Contributor
sugasears220
Posts: 171
Registered: ‎02-18-2010
0

Re: how long does it take for a collection to be deleted...

Can you send the deletion letter / correspondence to the CRA. or will they only accept the notice from the CA?

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March 1st Score: 624
Current Score: April 10th 675
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Mega Contributor
RobertEG
Posts: 18,455
Registered: ‎03-19-2007
0

Re: how long does it take for a collection to be deleted...

CRAs update the status to deleted upon notification from the CA only. 

Collection reporting is solely between the CA and the CRA,  You are not a direct party to it.

Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: how long does it take for a collection to be deleted...

Generally, they will only accept it from the CA.   I have seen posts where the OP sent it in and got it deleted.

Contributor
jordy
Posts: 94
Registered: ‎01-07-2010
0

Re: how long does it take for a collection to be deleted...

thank you all for your responses...

I was really just curious... Definitely don't want to rush them as they're doing something for me...

I just wanted to know how long I should wait before I start to wonder about it...

I'll be here patiently waiting on the deletion...lol..

thanks again....


Starting Score: EQ 623 (1/28/10) TU 666 (1/28/10)
Current Score:  EQ 666 (3/4/10) TU 708 (3/4/10)
Goal Score:    EQ 680TU 700
Frequent Contributor
ficonovice
Posts: 440
Registered: ‎08-08-2007
0

Re: how long does it take for a collection to be deleted...

Several months ago, AFNI deleted a collection account. I received a letter from them saying they'd be deleting it from all bureaus.

Within 7 days, it was removed from all bureaus. I echo what others have said and the timing can vary for many reasons.

Just be happy it's being removed and monitor periodically. Hopefully it won't take more than a few weeks to 1 month... 

Rust never sleeps and neither does my fico score...
Frequent Contributor
lessismore2014
Posts: 404
Registered: ‎06-11-2008
0

Re: how long does it take for a collection to be deleted...

I had a hospital collection paid of course deleted in 2-3 days after being told it would be removed I guess it's up to them when they feel like doing it
Regular Contributor
Credit-Wise
Posts: 240
Registered: ‎08-08-2009
0

Re: how long does it take for a collection to be deleted...

 

 

Chase recently deleted a CO within 48hrs of their agreement.  I use american exress credit sercure to check daily during whenever I expect a deletion - this was during my repair process.  I say keep checking it might be gone before the end of the week! 

 

congratulations to you any deletion is  inspiration to all of us!!!


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