topic Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX? in General Credit Topics

When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

Anonymous — Sat, 16 Apr 2011 01:51:46 GMT

Hey Guys!!

New to posting.. I have 2 items scheduled to be deleted 4/2011.. I'm wondering do the items get deleted beginning or end of the month.. I want to get my reports and see the changes and see my new score for EQ and TU... Any help is greatly appreciated! Thanks!

Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

Anonymous — Sat, 16 Apr 2011 01:58:49 GMT

Welcome.

The CRAs will delete after the end of April. It should be automatic but you may need to give them a friendly reminder.

Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

Anonymous — Sat, 16 Apr 2011 16:59:32 GMT

Thanks guiness56!!

Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

JayRizzo — Sat, 16 Apr 2011 18:35:59 GMT

I've heard from Experian, can't speak of EQ & TU, that it comes off after 1 week into the following month. So, your April 2011 item will be gone on Sunday or Monday of the second week of May.

Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

Anonymous — Sat, 16 Apr 2011 21:08:19 GMT

Thanks for the info!!

Re: When are items that are scheduled to delete actually get deleted on EQ, TU and EX?

RobertEG — Sat, 16 Apr 2011 23:56:34 GMT

Taking DOFD as an example, which controls both COs and collections, when they report your DOFD, they are only required under FCRA 623(a)(5) to report the month and year. So the 7 years plus 180-day CR exclusion period would only begin at the end of the month. No mid-month calculations can be made.