topic Re: experian not removing old account in Rebuilding Your Credit

experian not removing old account

newcredit — Sat, 14 Feb 2026 05:05:06 GMT

hello anyone know why experian is not trying to remove my old account? tried to dispute that didnt work... it fell off TU and EQ already but still on ex

Re: experian not removing old account

JoeRockhead — Sat, 14 Feb 2026 13:18:02 GMT

@newcredit wrote:
hello anyone know why experian is not trying to remove my old account? tried to dispute that didnt work... it fell off TU and EQ already but still on ex

When you say dispute, what did you dispute? If the DOFD that led to the charge off status of the account determined the fall off date would be this month you would simply ask them to remove it due it being "too old to report". EX is generally the most reliable in granting Early Exclusion, and/or removing time barred adverse information from reports.

Can you give us more details about the account, most importantly such as what was the DOFD. Where the account first went delinquent and was never brought current again which led to the charge off?

If you haven't checked your reports from Annual Credit Report I'd encourage you to do so. It's free, accurate and will be the same thing a lender would see if they pulled your credit (minus any scores).

If all the information is correct and it should be time barred from reporting, I'd contact them again and ask the information be removed because it's too old to report.

Re: experian not removing old account

newcredit — Sat, 14 Feb 2026 15:11:31 GMT

@JoeRockhead thank you for responding.... it is a charge off from chase i never contacted them made a payment or anything... the fall off date that says feb 2026 is from the experian app.. i dispute it online for being 'obsolete'.. and looking at this screenshot here it looks like my dofd was 06/2019

Re: experian not removing old account

JoeRockhead — Sat, 14 Feb 2026 17:01:03 GMT

@newcredit wrote:
@JoeRockhead thank you for responding.... it is a charge off from chase i never contacted them made a payment or anything... the fall off date that says feb 2026 is from the experian app.. i dispute it online for being 'obsolete'.. and looking at this screenshot here it looks like my dofd was 06/2019

@newcredit being they have it listed as June 2019 and considering the 7 years + 180 days rule, that would put the fall off date towards the end of this year. For a Feb 2026 drop off that would mean they have the DOFD somewhere around August 2018. I don't know what they have going on but like I previously suggested, pull your reports from Annual Credit Reports and look at what dates are shown (don't rely solely on the EX App).

In the meantime I'd wait until at least March 1st before trying for another EE (early exclusion). Their general rule has been to grant EE 3 months early which if the true DOFD is 6/2019 they may make you wait until September before they'll grant EE, but I'd continue to request it at the start of every month until they grant it being the other two already deleted it.

Re: experian not removing old account

newcredit — Sat, 14 Feb 2026 17:49:26 GMT

@JoeRockhead thanks... yeah your right pretty much have no choice but to wait based off that timeframe i always look on annual credit report and the dofd is accurate lol they had my hopes up listing the fall off date as 02/26.... its been a long journey getting my credit back in order and also have a collection on equifax obviously the same timeframe applys ? it goes by dofd from original creditor or the date from the collection open? which is 04/19 dofd OC so that would come off around octoberish?

Re: experian not removing old account

MichaelMyer — Tue, 17 Feb 2026 11:42:02 GMT

Yes, it goes by dofd from the original creditor.

Re: experian not removing old account

kerinmiami — Wed, 18 Feb 2026 02:16:33 GMT

Hi there. You need to call. When hear the prompt press 1 for consumer.

Next the AI will ask what you want say "dispute" and then it will ask for which item to dispute.

Say "specialist" and it will connect you to a live person with a spanish accent. lol.

Say to the live rep I have items on my report and I'd like to know if I qualify for an EE or retrention as I learned to today. Don't say anything about the 90 days window until the end. The rep I had last week refused to removed three items but the rep I had today removed all three .

I had two a**hole reps who wouldn't budge but most of time they will help.

I got 3 removed today and four a fews days ago. While ALL theose accounts say June and July removal got removed beyond the 90 days EE.

The rep today kept mentioning to me that EX has rules that will remove other accounts under retention / FCRA. I let him talk and it got removed. I got an email about two hours later all three gone.

Re: experian not removing old account

newcredit — Wed, 18 Feb 2026 03:28:40 GMT

@kerinmiami thanks for responding ...thats good news congrats!!!what number did you call? i tried calling but cannot get a person on the phone.. and i also contacted EQ about a collection i have with them that is due to fall off soon guy was an axxhole with no help with that issue ( any help with them?)

Re: experian not removing old account

kerinmiami — Wed, 18 Feb 2026 04:01:26 GMT

Hi. Call this number 714-830-7000.

Listen to the prompt.

Press 1.

It will ask what you'd like to do. Say dispute. It will then ask what you'd like to dispute. Say "spcialist." It may ask for your SS but put it in and then a live person will come one.

I ask do I qualify any account to be removed under EE and they will do the run down with you. Sometimes they sound unsure of what you may ask about the EE. I only got 1 or 2 a*sholes before.

Sucuess on 1-6, 26, and 2-13, 17.

The remaning accounts each rep gives almost a different date. I will try for the rest mid March and them I am clear on EX and TU.

EQ I for me is a waste of time. For EQ I will just wait for my 30 days in June and July unless someone knows a better way with their hard a*s.

Re: experian not removing old account

newcredit — Wed, 18 Feb 2026 14:11:34 GMT

@kerinmiami hey so i just spoke with experian followed your steps used the word 'retention' ( wasnt sure if i was even using it correctly 😂) and all they did was submit a request to dispute pretty much same thing i did online? how did the process go for you? did they do the same? or remove it immediately or what?

Re: experian not removing old account

kerinmiami — Wed, 18 Feb 2026 14:36:44 GMT

Okay. Do you have an online Experian account? Did the rep explicitly say they'd remove them or be eligible for deletion?

I usually receive about three email notifications via my Experian online account. One acknowledging the dispute, a process email and finally an email saying results are ready.

It takes about 2-3 hours for the deletion to happen, and that's it.

Re: experian not removing old account

newcredit — Wed, 18 Feb 2026 14:43:28 GMT

@kerinmiami he didnt specifically say he can remove them or that im eligible he just said that the creditor has to close it and he has to open a dispute (which i just opened a dispute online and it remained) but i did get an email that a dispute has been open 🤷‍♂️

Re: experian not removing old account

kerinmiami — Wed, 18 Feb 2026 19:05:17 GMT

Hmm okay. Yeah the objective is that will remove it but on the report you mentioned Feb 2026?

I had an Amex/Bloom similar of coming off less than a month but remained. I ended talking to two rep on was removed yesterday, but the rep earlier in the month told me to call back in mid March to have it removed. I think it just depends on who you talked.

Two of my accounts said removal for June / July 2026. When I called in Jan they gave me dates to call back but when I called yesterday those sames one got removed 4 months early.

If it's regular dispute I would wait until its complete if not removed call back and ask for the EE (when they dispute it, it's right over the phone, then you get the emails, that's being disputed, and about two hours later a final email says results - and it's gone.

Remember I have gotten at least two bad reps who wouldn't anything for me at all.