cancel
Showing results for 
Search instead for 
Did you mean: 

pure luck with Experian early deletion

tag
from500to700
Regular Contributor

pure luck with Experian early deletion

I called Experian about a baddie that suppose to drop in April , while talking with the lady I mention an account that suppose to be dropped in September she told me it will be dropped in September she said it will be dropped in September , to my surprise I check my report today and both the one in April and September both gone.

 

 

Now I agree it depends who answers the phone on Experian.

 

Thanks to the fourum.


Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 1 of 31
30 REPLIES 30
Season79
Contributor

Re: pure luck with Experian early deletion

Congrats!!! Smiley Happy

Message 2 of 31
tld1104
Contributor

Re: pure luck with Experian early deletion

Congrats!

 

I just called Experian too...the first person I spoke with wouldn't do a thing.  Two accounts that fall of 5/2014.  I called right back and the lady I spoke with deleted one but said the system wouldn't let her delete the other...not sure about that.    Oh well...I am happy to have LVNV off my report!   


Starting Score: 3/2014 - TU FICO 566, EQ FICO 569, EX FICO 563
Current Score: TU FICO 684, EQ FICO 662, EX FICO 664
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 3 of 31
avggoal700
Frequent Contributor

Re: pure luck with Experian early deletion

Are y'all just calling the CRA or do you already have a dispute on file first that's giving you a claim file number to give to CRA when you call?  

 

 




EX 706. TU 705 EQ 682. Avg 698
Message 4 of 31
tld1104
Contributor

Re: pure luck with Experian early deletion

I actually have a dispute pending online for some other accounts with them but they are taking a long time.

 

So I just called the number on the credit report and asked for early deletion of some accounts that aren't in dispute.  When you call it will prompt you to enter your credit report number if you have it.  I didn't mention the pending dispute and they didn't ask. 


Starting Score: 3/2014 - TU FICO 566, EQ FICO 569, EX FICO 563
Current Score: TU FICO 684, EQ FICO 662, EX FICO 664
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 5 of 31
from500to700
Regular Contributor

Re: pure luck with Experian early deletion

I just call the CRA no dispute if it close to fall of date

Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 6 of 31
mlcole07
Established Member

Re: pure luck with Experian early deletion

Ok I'm new to all of this...I did not know you can ask Experian/Equifax/Transunion to delete items??? I thought you had to go throught he creditor??? Am I correct on this understanding???


Starting Score: 542
Current Score: 577
Goal Score: 700


Take the myFICO Fitness Challenge
Message 7 of 31
mongstradamus
Super Contributor

Re: pure luck with Experian early deletion

For me experian auto deleted early for me back in feb when it was supposed to be deleted in may. TU i asked it to be deleted early and they did it within an few days. EQ on the other hand is an pain in the butt. It was very difficult to start the process of getting it deleted early. An week after i started process still haven't heard back from them, according to the check status its still pending. So we will see what happens in the end. 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 8 of 31
coldnmn
Mega Contributor

Re: pure luck with Experian early deletion

Congrats!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 9 of 31
gdale6
Moderator Emeritus

Re: pure luck with Experian early deletion

Nice work OP Smiley Happy

Message 10 of 31
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.