Early Warning Services Removal Dates

Anonymous — Mon, 02 Nov 2020 04:23:22 GMT

I know reported information stays on the Early Warning consumer report for 7 years but is it 7 years from the Incident Date or 7 years from Debt Paid in Full Date?

The section below the reported information is the section regarding transactions. How long does these transactions stays on file? And is it the same timeframe regardless if it is listed as “transactions” or “returned transactions”, ACH and Check?

Below the transaction section are accounts. How long does these accounts stays on file? These accounts are not the same as above. The ones above has a negative impact. Regarding these accounts, what if it has only one date listed such as “Close Date”? If accounts has Open Dates/Close Dates/Consumer Removed Dates, what date does the countdown begin?

Below that section is status and balance information, is that permanent or does it have a countdown timeframe? It also has accounts in between the information.

Re: Early Warning Services Removal Dates

RobertEG — Mon, 02 Nov 2020 06:47:56 GMT

Different types of reported derogs have different exclusion dates based on the type of derog.

If you list the reported derogs, we can provide their required exclusion dates/periods.

Re: Early Warning Services Removal Dates

Anonymous — Fri, 06 Nov 2020 03:39:29 GMT

Thanks!

Here are the reporting information with the reporting reasons.

The following section refers to information provided to Early Warning about closed bank accounts.
1.) Contributor: Wells Fargo
Incident Date: 08/14/2017
Principal Loss: $718.54
Fee Reversal: $45.00
Combined Loss & Fee Reversal: $0.00
Paid/UnPaid/Settled: Paid
Debt Paid in Full Date: 03/12/2019
Contribution Reason: Account Abuse

2.) Contributor: Wells Fargo
Incident Date: 03/14/2017
Principal Loss: $232.70
Fee Reversal: $70.00
Combined Loss & Fee Reversal: $0.00
Paid/UnPaid/Settled: Paid
Debt Paid in Full Date: 03/19/2019
Contribution Reason: Account Abuse

3.) Contributor: PNC Bank
Incident Date: 11/03/2017
Principal Loss: $350.99
Fee Reversal: $0.00
Combined Loss & Fee Reversal: $0.00
Paid/UnPaid/Settled: Paid
Debt Paid in Full Date: 03/19/2018
Contribution Reason: Account Abuse

The following section refers to transactions related to your banks account(s).
Bank Name: Ally Bank
Close Date: 02/06/2017

1.) Bank Name: Bank of America Pennsylvania
Open Date: 07/22/2015
Close Date: 06/28/2016
Consumer Removed Date: 07/02/2016
Current Account Status: Closed
Previous Account Status: Pending Closed
Date of Last Status Change: 06/29/2016

2.) Bank of America Pennsylvania
Open Date: 07/22/2015
Close Date: 10/22/2015
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 12/09/2015

3.) Bank Name: Bank of America Pennsylvania
Open Date: 11/09/2015
Close Date: 06/28/2016
Consumer Removed Date: 07/02/2016
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 06/29/2016

4.) Bank Name: Bank of America Pennsylvania
Open Date: 01/19/2016
Close Date: 04/11/2016
Consumer Removed Date: 04/16/2016
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 04/12/2016

5.) Bank Name: Capital One 360
Open Date: 05/22/2016
Close Date: 04/19/2017
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 04/22/2019

6.) Bank Name: Capital One 360
Open Date: 06/28/2016
Close Date: 04/19/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 04/22/2019

7.) Bank Name: Citizens Bank
Open Date: 05/05/2017
Close Date: 05/15/2017
Consumer Removed Date: 08/05/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 08/02/2017

8.) Bank Name: Compass Bank – Alabama
Open Date: 07/25/2016
Close Date: 11/26/2019
Current Account Status: Closed
Previous Account Status: Pending Closed
Date of Last Status Change: 11/27/2019

9.) Bank Name: Compass Bank – Alabama
Open Date: 06/21/2018
Close Date: 11/01/2018
Current Account Status: Closed For Cause
Previous Account Status: New Account
Date of Last Status Change: 11/01/2018

10.) Bank Name: Compass Bank – Alabama
Open Date: 07/10/2019
Close Date: 12/06/2019
Current Account Status: Closed For Cause
Previous Account Status: New Account
Date of Last Status Change: 12/06/2019

11.) Bank Name: Compass Bank – Alabama
Open Date: 05/22/2020
Current Account Status: Savings New Account
Previous Account Status: Savings New Account
Date of Last Status Change: 07/21/2020

12.) Bank Name: Compass Bank – Alabama
Open Date: 05/22/2020
Current Account Status: New Account
Previous Account Status: Overdrawn
Date of Last Status Change: 07/24/2020

13.) Bank Name: Discover Financial Services – DPCK
Open Date: 11/11/2016
Close Date: 11/14/2017
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 12/06/2017

14.) Bank Name: PNC Northeast PA
Open Date: 08/27/2019
Close Date: 01/03/2020
Current Account Status: Closed For Caused
Previous Account Status: Overdrawn
Date of Last Status Change: 01/03/2020

15.) Bank Name: PNC Northeast PA
Open Date: 08/27/2019
Close Date: 01/03/2020
Current Account Status: Closed
Previous Account Status: Pending Closed
Date of Last Status Change: 01/06/2020

16.) Bank Name: PNC Northeast PA
Open Date: 08/27/2019
Close Date: 01/03/2020
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 01/06/2020

17.) Bank Name: PNC Northeast PA
Open Date: 06/09/2017
Close Date: 02/22/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 08/20/2018

18.) Bank Name: Santander Bank
Open Date: 05/20/2016
Close Date: 08/11/2016
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 08/13/2018

19.) Bank Name: Santander Bank
Open Date: 06/06/2019
Close Date: 10/02/2019
Current Account Status: Closed
Previous Account Status: Overdrawn
Date of Last Status Change: 03/05/2020

20.) Bank Name: Santander Bank
Open Date: 06/06/2019
Close Date: 08/09/2019
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 03/05/2020

21.) Bank Name: Santander Bank
Open Date: 05/20/2016
Close Date: 01/17/2017
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 01/17/2019

22.) Bank Name: TD Bank North
Open Date: 06/03/2019
Close Date: 09/16/2019
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 09/17/2019

23.) Bank Name: TD Bank North
Open Date: 11/08/2016
Consumer Removed Date: 03/04/2017

24.) Bank Name: TD Bank North
Open Date: 09/11/2017

25.) Bank Name: TD Bank North
Open Date: 08/05/2016
Close Date: 03/02/2017
Consumer Removed Date: 04/04/2018
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 04/09/2018

26.) Bank Name: TD Bank North
Open Date: 03/25/2016
Close Date: 06/27/2016
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 11/04/2016

27.) Bank Name: TD Bank North
Open Date: 05/12/2016
Close Date: 08/15/2016
Consumer Removed Date: 12/31/2016
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 12/27/2016

28.) Bank Name: TD Bank North
Open Date: 09/26/2016
Close Date: 12/28/2016
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 05/09/2017

29.) Bank Name: TD Bank North
Open Date: 10/05/2016
Close Date: 01/18/2017
Consumer Removed Date: 05/27/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 05/26/2017

30.) Bank Name: TD Bank North
Open Date: 09/08/2017
Close Date: 02/07/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 06/18/2018

31.) Bank Name: TD Bank North
Open Date: 09/11/2017
Close Date: 09/21/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 02/01/2018

32.) Bank Name: TD Bank North
Open Date: 09/13/2017
Close Date: 01/09/2018
Consumer Removed Date: 05/19/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 05/18/2018

33.) Bank Name: TD Bank North
Open Date: 12/08/2017
Close Date: 12/11/2017
Consumer Removed Date: 04/21/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 04/20/2018

34.) Bank Name: TD Bank North
Open Date: 01/08/2018
Close Date: 01/09/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 05/17/2018

35.) Bank Name: TD Bank North
Open Date: 02/05/2018
Close Date: 04/16/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 08/23/2018

36.) Bank Name: TD Bank North:
Open Date: 06/03/2019
Close Date: 06/18/2019
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 09/16/2019

37.) Bank Name: US Bank Central
Open Date: 06/04/2018
Close Date: 06/12/2018
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 02/24/2020

38.) Bank Name: US Bank Central
Open Date: 06/04/2018
Close Date: 06/12/2018
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 11/25/2019

39.) Bank Name: Wells Fargo Northeast
Open Date: 03/18/2020
Close Date: 05/29/2020
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 06/01/2020

40.) Bank Name: Wells Fargo Northeast
Open Date: 10/08/2003
Close Date: 08/11/2016
Consumer Removed Date: 11/05/2017
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 10/30/2017

41.) Bank Name: Wells Fargo Northeast
Open Date: 03/18/2020
Close Date: 07/31/2020
Current Account Status: Closed
Previous Account Status: Pending Closed
Date of Last Status Change: 08/03/2020

42.) Bank Name: Wells Fargo Northeast
Open Date: 12/02/2016
Close Date: 08/14/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 10/15/2018

43.) Bank Name: Wells Fargo Northeast
Open Date: 04/03/2019
Current Account Status: Savings Present
Previous Account Status: Savings New Account
Date of Last Status Change: 09/30/2019

44.) Bank Name: Wells Fargo Northeast
Open Date: 01/20/2016
Close Date: 03/14/2017
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 10/15/2018

45.) Bank Name: Wells Fargo Northeast
Open Date: 03/27/2019
Close Date: 04/01/2019
Current Account Status: Savings Closed
Previous Account Status: Savings Pending Closed
Date of Last Status Change: 04/02/2019

46.) Bank Name: Wells Fargo Northeast
Open Date: 03/27/2019
Close Date: 10/11/2019
Current Account Status: Closed
Previous Account Status: Pending Closed
Date of Last Status Change: 10/15/2019

47.) Bank Name: Wells Fargo Northeast
Open Date: 08/09/2019
Current Account Status: Overdrawn
Previous Account Status: Present
Date of Last Status Change: 08/10/2020

48.) Bank Name: Wells Fargo Northeast
Open Date: 01/21/2016
Close Date: 11/01/2016
Current Account Status: Closed-Purged
Previous Account Status: Closed
Date of Last Status Change: 10/15/2018

49.) Bank Name: Wells Fargo Northeast
Open Date: 01/20/2016
Close Date: 08/01/2017
Current Account Status: Savings Closed-Purged
Previous Account Status: Savings Closed
Date of Last Status Change: 10/15/2018

Re: Early Warning Services Removal Dates

Anonymous — Sat, 07 Nov 2020 03:49:15 GMT

When are the removal dates of the info in my last message?

Re: Early Warning Services Removal Dates

Anonymous — Sun, 08 Nov 2020 07:03:11 GMT

Bump

Re: Early Warning Services Removal Dates

Anonymous — Sun, 08 Nov 2020 20:11:09 GMT

@Anonymous As you mentioned derogs are generally excluded 7 years after the date of first delinquency.

It can get a little complicated if you made payments and "caught up" on the account before ultimately defaulting.

Usually it's based on the first string of delinquencies that led to chargeoff or account closure.

Even with the details you provided, I'm not experienced enough to give you the drop-off dates for all the listed accounts. I am also not familiar with Early Warning Services, so my apologies.

I would suggest that you pull all three of your credit reports from https://www.annualcreditreport.com/index.action

You can pull all three for free weekly until April 2021.

Each report should list "on record until" or "estimated removal date" under each account. That is the date each account will be removed.

You can look into early exclusion with Transunion 6 months prior to that listed date. I think Experian is 1 month and Equifax 3 months (I wouldn't try with Equifax though).

Good luck and apologies I could not be of more assistance.

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