topic Re: HP still on report after removal date in General Credit Topics

HP still on report after removal date

cr101 — Sun, 18 Oct 2020 08:26:58 GMT

I thought that they dropped off automatically. Is that not the case? Do I have to contact the bureaus?

Re: HP still on report after removal date

OmarGB9 — Sun, 18 Oct 2020 10:06:15 GMT

Is this on EX? If so, they generally take 25 months to fall off.

Re: HP still on report after removal date

cr101 — Sun, 18 Oct 2020 10:25:16 GMT

@OmarGB9 wrote:
Is this on EX? If so, they generally take 25 months to fall off.

Yes, now it's only on EX. I guess it takes TU an extra day to remove them. Got a fresh copy of EQ today and it's no longer there. I'm hoping that EX will not take 25 months.

Re: HP still on report after removal date

Anonymous — Sun, 18 Oct 2020 10:36:42 GMT

If this month was month 24 on EX, it'll fall off on the first Saturday of November. EX apparently likes them to be on the report for at least 24 full months. On November 7th, it should come off.

Re: HP still on report after removal date

Anonymous — Sun, 18 Oct 2020 10:38:43 GMT

@cr101 wrote:
@OmarGB9 wrote:
Is this on EX? If so, they generally take 25 months to fall off.
Yes, now it's only on EX. I guess it takes TU an extra day to remove them. Got a fresh copy of EQ today and it's no longer there. I'm hoping that EX will not take 25 months.

EX definitely takes 25 months

From ACR and holds true so far

Incorrectly listed in EX app

Re: HP still on report after removal date

cr101 — Sun, 18 Oct 2020 10:43:54 GMT

@Anonymous wrote:
If this month was month 24 on EX, it'll fall off on the first Saturday of November. EX apparently likes them to be on the report for at least 24 full months. On November 7th, it should come off.

I hope so. That sounds better than...Oh, geez. I need sleep. I was thinking that @OmarGB9 was saying that it would take an additional 5 months.

Thanks for the DP, @Anonymous.

Re: HP still on report after removal date

Anonymous — Sun, 18 Oct 2020 10:44:26 GMT

Lol nope, the first Saturday of the 25th month is when they remove them. It'll go away next month. Now go to bed

Re: HP still on report after removal date

OmarGB9 — Sun, 18 Oct 2020 17:30:51 GMT

@cr101 wrote:
@Anonymous wrote:
If this month was month 24 on EX, it'll fall off on the first Saturday of November. EX apparently likes them to be on the report for at least 24 full months. On November 7th, it should come off.
I hope so. That sounds better than...Oh, geez. I need sleep. I was thinking that @OmarGB9 was saying that it would take an additional 5 months.

Thanks for the DP, @Anonymous.

Oh no! That'd be awful. Nope, it should be gone next month. I couldn't remember the whole day thing, so thanks to @Anonymous for that.

Re: HP still on report after removal date

Mr_Mojo_Risin — Mon, 19 Oct 2020 15:35:20 GMT

I had a HP to fall off EX on 9/8/20.

It wasn't removed until 10/3/20 which was the first Saturday of the following month.

I've read many others post it being the first Saturday of the following month as well.

Re: HP still on report after removal date

coldfusion — Mon, 19 Oct 2020 17:26:16 GMT

This identical question has come up several times over the last few weeks. Here's a pretty definitive explanation.

https://ficoforums.myfico.com/t5/General-Credit-Topics/Removal-of-hard-inquiries-from-the-Experian-Credit-Report/td-p/6111719

Re: HP still on report after removal date

Anonymous — Tue, 20 Oct 2020 21:13:18 GMT

Keep in mind that for scoring purposes the inquiry already became unscoreable a year or so ago, so in that department there will be nothing gained when it falls off.

Re: HP still on report after removal date

cr101 — Sun, 08 Nov 2020 09:09:00 GMT

They recently changed the report so that it has the HP removal date set to 13 months from the HP date. It was set to be removed next wk, but it was removed when I refreshed my report this morning. This also falls in line with what you guys said about them removing it the first Saturday of the month following the HP. I probably just pulled my report too early yesterday.

No score increase on EX. But, at least the HP's gone.