topic Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years in Rebuilding Your Credit

How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 16:50:34 GMT

I had a CO with Verizon and per my Experian report (directly from Experian) it shows me with (1) negative and indeed it is Verizon. On my EX report it states "Date Open as 2/1/2009" which would be the time period in my life where that CO happened. It shows updated 11/1/2014 and that is correct because I satisfied the balance in full.

For some reason this no longer shows on EQ and I was able via request to get it removed from TU. As such my scores are 775 EQ and 768 TU, but my EX is sitting on 739 (I know, first world problems...). I have no future plans for apping, car loans, or another mortgage but for my sanity I would love to see this sucker gone and I can be truly 100% clean on all (3) files.

Are there any options here besides waiting? I have pondered the dispute option with EX before but all that did was verify the debt as valid (which it is) and a scary point drop while they investigated (and yes points came back), so I'm not going to knock on that door again.

EDIT: If it helps I took a closer look at my EX file directly and it shows "payment status or activity" for 10/2014 and 11/2014 (also marked in color as a 30 or 60 day late).

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

RobertEG — Tue, 17 May 2016 17:40:09 GMT

With a reported charge-off, credit report exclusion will be based on the DOFD.

What is the reported DOFD?

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:00:12 GMT

This is exactly how it shows on Experian.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:02:10 GMT

You'll need the actual report from EX to see a DoFD or estimated date of removal. Monitoring sites don't show those.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:03:58 GMT

@Anonymous wrote:
You'll need the actual report from EX to see a DoFD or estimated date of removal. Monitoring sites don't show those.

My 2nd post with the screen shots is directly from EX and not from here.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:04:40 GMT

It's from CCT, it's not the same as the actual report

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:15:48 GMT

@Anonymous wrote:
It's from CCT, it's not the same as the actual report

I'm not sure what you mean or what CCT refers to but I am 100% certain I know which site I was just looking at minutes ago and it most certainly was www.experian.com where that screen shot came from.

That said I just spoke with an EX CSR and was able to learn the first report of delinquency date was 3/1/2010 so I'll just sit back and wait until then so it can automatically fall off.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 18:40:00 GMT

The site you are getting your report from is the online version of your report you need a copy of your full report. You can get that by ordering online, they will then mail you a paper copy or you can get one once a year at https://www.annualcreditreport.com/.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

RobertEG — Tue, 17 May 2016 19:57:09 GMT

Unless they reported a charge-off, there will be no DOFD.

I dont see the reporting of a charge-off.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

Anonymous — Tue, 17 May 2016 20:23:43 GMT

@RobertEG wrote:
Unless they reported a charge-off, there will be no DOFD.
I dont see the reporting of a charge-off.

The CO language shows up in some instances, others not. Anyway I put the DOFD in post #7 after speaking with an EX CSR.

Re: How can I fix Experian (Verizon Wireless)? Trying to remove after 7 years

RonM21 — Wed, 18 May 2016 03:20:21 GMT

At least it will be falling off soon! That is good.