topic Re: If report says account will fall off by a certain date, will it actually happen? in General Credit Topics

If report says account will fall off by a certain date, will it actually happen?

LisaJ — Tue, 10 Feb 2009 16:25:22 GMT

I have three adverse accounts. Two of the three are showing that they will be removed later this year. I'll address those first:

1) When the credit report shows the likely removal date, is that generally accurate?

2) If an account is "scheduled" to be removed within a few months, is it better to leave it alone or to try to request full media? I have an account that I know is not really valid, but it is scheduled to drop in May. I have another that is valid, with AMEX, and they are soft pulling me like crazy, why I don't know, but they are scheduled according to customer service AND the TU, to be removed in June.

3) and finally, do I have to call/request removal if the CRA is showing a removal date or leave it alone?

The other issue is ATT/ Palisades, and it is a doozy, so I will address it in a different post.

Thanks so much.

Lisa

Re: If report says account will fall off by a certain date, will it actually happen?

Zahnrosen — Tue, 10 Feb 2009 17:56:24 GMT

They should automatically drop off. You don't want to mess with them at all if they are that close to disappearing, just leave them alone. At this point I'd be surprised if they are hurting you much, if at all.

Re: If report says account will fall off by a certain date, will it actually happen?

Anonymous — Tue, 10 Feb 2009 19:40:36 GMT

1). Yes

2). leave it alone.

3). leave it alone.

I can imagine you are anxious to get rid of those bad boys...........but.......patience is a virtue.

Re: If report says account will fall off by a certain date, will it actually happen?

Anonymous — Wed, 11 Feb 2009 17:00:50 GMT

So if the report says the account should fall off by Feb 2009 and it hasn't, should you just wait until the end of Feb to see if it has fallen off?

Re: If report says account will fall off by a certain date, will it actually happen?

Anonymous — Thu, 12 Feb 2009 07:11:02 GMT

I had one item on my Experian report scheduled to be removed Jan 2009. Come February it stated "Scheduled to be removed Feb 2009"

How long does this go on until ignoring it is not an option?

Re: If report says account will fall off by a certain date, will it actually happen?

Anonymous — Sat, 14 Feb 2009 11:52:02 GMT

I guess no one has gone through this before? Perhaps I'm dealing with a CA playing reaging games but any input would be appreciated. Am I asking for trouble pointing this out as an obsolete account?

Re: If report says account will fall off by a certain date, will it actually happen?

Anonymous — Sat, 28 Feb 2009 20:30:35 GMT

Update, it finally fell off without disputing it