topic Re: eq early deletion in General Credit Topics

eq early deletion

mongstradamus — Sun, 06 Apr 2014 04:48:26 GMT

I was actually pretty surprised that they deletes early for me when I requested for early deletion. It just took an bit longer than tu and ex. It took about ten days for them to do anything.

Re: eq early deletion

myjourney — Sun, 06 Apr 2014 04:56:14 GMT

Congrats WTG

Re: eq early deletion

mongstradamus — Sun, 06 Apr 2014 05:01:24 GMT

Thanks I officially have no more baddies on my cr other than all the HP from last year. I just have to not get tempted to app anything till July 😀. I can app for my fidelity amex and Sallie Mae in July hopefully

Re: eq early deletion

myjourney — Sun, 06 Apr 2014 05:02:59 GMT

@mongstradamus wrote:
Thanks I officially have no more baddies on my cr other than all the HP from last year. I just have to not get tempted to app anything till July 😀. I can app for my fidelity amex and Sallie Mae in July hopefully

That's great having a clean file bravo on your hard work ....it will really pay now

Re: eq early deletion

mongstradamus — Sun, 06 Apr 2014 05:29:49 GMT

@myjourney wrote:
@mongstradamus wrote:
Thanks I officially have no more baddies on my cr other than all the HP from last year. I just have to not get tempted to app anything till July 😀. I can app for my fidelity amex and Sallie Mae in July hopefully
That's great having a clean file bravo on your hard work ....it will really pay now

It definately its really an nice feeling to have. Now i am going to try and reach next goal of getting my fico score above 800. I think that will take an bit more time.

Re: eq early deletion

alvon123 — Sun, 06 Apr 2014 12:50:58 GMT

congrats

Re: eq early deletion

Jerzee123 — Mon, 07 Apr 2014 00:35:16 GMT

happy feelin! good job!

Re: eq early deletion

TimeToRecover — Mon, 07 Apr 2014 03:32:02 GMT

Waht exactly did you ask for to get them deleted early. I have one that is due to drop off in July (as per my yearly free reports). the line is already gone from TU. I want to get guarantee funded for a mortgage and if I could get these off earlier it would allow me to move my timeline up a bit.

So I would be willing to ask for an early deletion if I knew the right wording to use. did you email, phone, or snail mail?

thanks,

Re: eq early deletion

mongstradamus — Mon, 07 Apr 2014 03:55:42 GMT

@TimeToRecover wrote:
Waht exactly did you ask for to get them deleted early. I have one that is due to drop off in July (as per my yearly free reports). the line is already gone from TU. I want to get guarantee funded for a mortgage and if I could get these off earlier it would allow me to move my timeline up a bit.

So I would be willing to ask for an early deletion if I knew the right wording to use. did you email, phone, or snail mail?

thanks,

EQ was quite the pain for me , it didn't let me do an regular dispute thru the website. If i remember correctly they said they couldn't match my info or something to that effect, so i had to go and dispute thru something called an webform. You have to fill out everything, and if i remember at the end there are comments you can add. In the comments section i just stated that its supposed to drop off soon, and asked if they could delete early. Surprisingly they complied :-)

Re: eq early deletion

Lechte — Mon, 07 Apr 2014 07:58:13 GMT

@TimeToRecover wrote:
Waht exactly did you ask for to get them deleted early. I have one that is due to drop off in July (as per my yearly free reports). the line is already gone from TU. I want to get guarantee funded for a mortgage and if I could get these off earlier it would allow me to move my timeline up a bit.

So I would be willing to ask for an early deletion if I knew the right wording to use. did you email, phone, or snail mail?

thanks,

is July 7 years from DOFD? I called EQ recently about an old CO, asking them to remove early...they said no, but a couple days later it was deleted. I've had a couple CO's removed 3 or 4 months early. I don't know if my phone call had any effect, but they always told me no it would not come off til the 7 year mark of DOFD, but it seemed like a few days after I called, they ended up removing them. YMMV..

Re: eq early deletion

RobertEG — Mon, 07 Apr 2014 09:36:46 GMT

If you chose to pursue an earlier exclusion, it is really not a disputeable matter until the derog has actually passed its max credit report exclusion period.

For a charge-off, that would not be until after 7 yrs plus 180 days from the reported DOFD.

It is really simply a request for their administrative action at an ealier time.

Sending disputes is apt to result in an overall CRA review an possible crackdown on such requests, and something I would discourage.......

Re: eq early deletion

Anonymous — Sat, 02 Aug 2014 14:19:49 GMT

May i ask how you were able to get early deletion? I have a couple baddies that are supposed to fall off in mid 2015 and i am looking to get them off early. Any suggestions?