topic Re: Which credit report to get info about expected drop off dates? in General Credit Topics

Which credit report to get info about expected drop off dates?

Anonymous — Sun, 13 Jul 2008 21:16:02 GMT

I have TU's 3-in-1 reports, Experian's service and pull once a month or so the myfico reports/score. None of those give the expected "drop off" date for items, although I have seen that on some reports I get in the mail every so often. I have a few older negative items that may be falling off in the relatively near future so I'd like to have the info about expected "drop off" date as that info would help me plan what to do about the remaining few negative items. I have 2 that I just don't think are legit and have been DV'ing them without results, but if they fall off naturally in a couple months then I may as well wait, regardless of the lack of validity to the original debts. Simple question for the experience here that probably know: What report(s) can I get (and where) that shows that information (expected drop off date) for all 3 reports? This would help tremendously both for peace of mind and knowing what I should do or not do given time demands as to how I approach contesting invalid information. I called Experian recently and the phone rep was very helpful and nice and told me that something was about to fall off anyway (and it did). It would have been a waste of time to contest that information of course. My scores: July 12 (TU: 689, EQ: 661, EX: 706)

Re: Which credit report to get info about expected drop off dates?

MidnightVoice — Sun, 13 Jul 2008 21:29:59 GMT

The CR is get from EX always has it - I get it once a year

Re: Which credit report to get info about expected drop off dates?

Anonymous — Sun, 13 Jul 2008 21:49:34 GMT

I get my CR from Experian from their website service and it doesn't have the info unfortunately. I've only seen it on hard copies I get in the mail but don't receive that very often (it's been months/year since I did and I don't think I have that report any more). I'd like a current one from each of the 3 CRA's that lists this info. Is there somewhere from where I should be ordering that is better for this *full* report?

Re: Which credit report to get info about expected drop off dates?

Anonymous — Sun, 13 Jul 2008 21:55:20 GMT

I get the 3 in 1 reports from True Credit. I've noticed that when I go to dispute something on Experian by going through the True Credit site, I can see a full report with expected drop off dates. Sometimes I hit the dispute button just to see these dates and don't necessarily dispute anything.

Re: Which credit report to get info about expected drop off dates?

haulingthescoreup — Sun, 13 Jul 2008 22:03:18 GMT

If you go through the dispute option, you'll see the softs. You should also get the full she-bang if you buy a new report. If you just update one that you already bought, I think you get the silly truncated version. (I get lost on the EX site a lot.)

You should be able to get the same full report that was mailed to you in an online version.

Re: Which credit report to get info about expected drop off dates?

smallfry — Sun, 13 Jul 2008 22:20:26 GMT

Actually I have found more info for the drop off dates on the Transunion report my SO just got in the mail yesterday. All the collections had the drop dates. The Experian was missing a few but had the majority listed.

Re: Which credit report to get info about expected drop off dates?

Anonymous — Sun, 13 Jul 2008 22:36:47 GMT

I'll try the dispute option (without disputing anything) and see if it'll give me the info. thanks.

Re: Which credit report to get info about expected drop off dates?

MattH — Sun, 13 Jul 2008 22:54:08 GMT

@Anonymous wrote:
I have TU's 3-in-1 reports, Experian's service and pull once a month or so the myfico reports/score. None of those give the expected "drop off" date for items, although I have seen that on some reports I get in the mail every so often. I have a few older negative items that may be falling off in the relatively near future so I'd like to have the info about expected "drop off" date as that info would help me plan what to do about the remaining few negative items. I have 2 that I just don't think are legit and have been DV'ing them without results, but if they fall off naturally in a couple months then I may as well wait, regardless of the lack of validity to the original debts. Simple question for the experience here that probably know: What report(s) can I get (and where) that shows that information (expected drop off date) for all 3 reports? This would help tremendously both for peace of mind and knowing what I should do or not do given time demands as to how I approach contesting invalid information. I called Experian recently and the phone rep was very helpful and nice and told me that something was about to fall off anyway (and it did). It would have been a waste of time to contest that information of course. My scores: July 12 (TU: 689, EQ: 661, EX: 706)

The free reports I get once a year from www.annualcreditreport.com have all the dropoff dates and softs, the reports I get from myfico.com don't. I save them in electronic form so I can refer to them at any time during the year.

Re: Which credit report to get info about expected drop off dates?

Anonymous — Mon, 14 Jul 2008 00:46:58 GMT

https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link-

You can use the same Exp report number over and over.

Re: Which credit report to get info about expected drop off dates?

smallfry — Mon, 14 Jul 2008 01:28:26 GMT

@Anonymous wrote:
https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link-
You can use the same Exp report number over and over.

I wouldn't make a habit of abusing the EX link.

Re: Which credit report to get info about expected drop off dates?

MattH — Mon, 14 Jul 2008 01:41:07 GMT

@smallfry wrote:

@Anonymous wrote:
https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link-
You can use the same Exp report number over and over.

I wouldn't make a habit of abusing the EX link.

Especially since one of the checkboxes says "I certify that I am disputing something"!

Re: Which credit report to get info about expected drop off dates?

Anonymous — Mon, 14 Jul 2008 02:17:19 GMT

I disagree- and have been told by Experian that this is fine-

Terms and conditions

Important Note: You must agree to the three statements below to dispute information in your credit report:

	I agree to the terms and conditions.
	I certify that I am disputing information on my own personal report.
	I understand that it is a federal crime subject to incarceration and/or monetary penalties to obtain a personal credit report for someone other than myself, and that intentionally making any false statements could be punishable by law.

@MattH wrote:

@smallfry wrote:

@Anonymous wrote:

https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link-

You can use the same Exp report number over and over.

I wouldn't make a habit of abusing the EX link.

Especially since one of the checkboxes says "I certify that I am disputing something"!