topic Re: New York State 5 Year Early Exclusion Law Question in Rebuilding Your Credit

New York State 5 Year Early Exclusion Law Question

mcl90 — Mon, 14 Apr 2025 19:15:56 GMT

I just called Experian to have to paid off charged off accounts removed from my Experian report under the NYS 5 year early purge law.

The customer service representative I spoke to said that they had to open a dispute to do this and would specify that I'm looking for early exclusion under this law.

I was hesitant and repeated multiple times on the call that I am not disputing the validity of the delinquincies or charged off accounts and they insisted that this was part of the process.

The person I spoke to said that this would be processed and the charged off accounts should be removed in a few days.

I got the persons name and wrote down the time of the call just in case there are any issues but can anybody confirm whether or not that a dispute is the first step of the process?

Re: New York State 5 Year Early Exclusion Law Question

Lemmus — Mon, 14 Apr 2025 19:56:34 GMT

Not addressing the NY 5 Year issue directly, but to my knowledge all early removal requests for the TU/EQ/EX go through the dispute process.

Get to their "Other" dispute category first.

Then they all pop up a text box for you to enter your request.

I used: "Not a dispute. Requesting early removal due to age and status. Thank you for your consideration"

TU removed both immediately. EQ removed one, the other wasn't on their report. EX is still processing.

If your NY statute is applicable, I'd insert that instead of "age and status" and it should work.

But you will have to use their dispute process even though you're not really disputing the debt, only it's presence on your report.

Re: New York State 5 Year Early Exclusion Law Question

mcl90 — Mon, 14 Apr 2025 23:50:24 GMT

Thanks for confirming. Was a little worried.

When the woman was on the phone filing the dispute I asked her to include the specific language that I was requesting my charged off accounts that have been paid in full are removed from my credit report in accordance with the new york state 5 year early exclusion law, which she read back to me before submitting.

Re: New York State 5 Year Early Exclusion Law Question

tcolesz12 — Wed, 16 Apr 2025 22:44:42 GMT

Exact same process I did with my charge off TU and EQ were super easy one phone call I had to play recorded the call for my record to have proof that they are agreeing over the phone to remove it and within a day or so was gone. EX was more difficult for some reason the reps kept saying they didn't know about that and blah blah blah eventually got a rep who knew exactly what I was talking about and proceeded it after my request.

Re: New York State 5 Year Early Exclusion Law Question

mcl90 — Fri, 18 Apr 2025 15:05:54 GMT

@tcolesz12 - just to confirm, with Experian, you spoke with somebody on the phone and they said the process was to submit a dispute specifying the NYS 5 Year Purge law?

Re: New York State 5 Year Early Exclusion Law Question

tcolesz12 — Fri, 18 Apr 2025 16:31:45 GMT

@mcl90 wrote:
@tcolesz12 - just to confirm, with Experian, you spoke with somebody on the phone and they said the process was to submit a dispute specifying the NYS 5 Year Purge law?

No i called them stating the law and requested the account to removed. Had to do it a few times before got a rep who understood what I was saying.

Re: New York State 5 Year Early Exclusion Law Question

mcl90 — Sun, 20 Apr 2025 21:36:57 GMT

@tcolesz12 so they did it right on the phone with you and it reflected on your report right away? no mention of them starting a dispute for you?

Re: New York State 5 Year Early Exclusion Law Question

tcolesz12 — Sun, 20 Apr 2025 23:08:27 GMT

@mcl90 wrote:
@tcolesz12 so they did it right on the phone with you and it reflected on your report right away? no mention of them starting a dispute for you?

That's correct, this was almost 3 years ago so they might have changed their process now. It was updated within a day

Re: New York State 5 Year Early Exclusion Law Question

mcl90 — Thu, 24 Apr 2025 16:15:59 GMT

Coming here to update for people that may search for an answer to the same or similar question.

I just called Experian again and a live agent told me that the disputes opened weren't the right process, that they needed to open an internal dispute, which she would do and that the charged off accounts would be removed in 24-72 hours.

They were removed within minutes.

My score jumped 81 points. 769.

My rebuild is almost complete. Just need to call TransUnion and Equifax and ask them to remove the charged off accounts as well and that's it.

Re: New York State 5 Year Early Exclusion Law Question

DR527 — Sat, 26 Apr 2025 17:48:31 GMT

Wait, so New York has a 5yr EE on all negative tradelins? I've never heard of even thing like that.

Re: New York State 5 Year Early Exclusion Law Question

mcl90 — Sat, 26 Apr 2025 23:33:55 GMT

@DR527 only for fully paid off charged off accounts.