CO different fall off dates between CRA

[Anonymous]

Hi everyone. I have a charge off that will fall off Esperian in 10/16 and the same CO is reported to Transunion but won't fall off until 3/17. I no longer have any documentation on the acct. My question is: Can I show Transunion a copy of the same CO from Esperian and see if Transunion will let this drop off sooner?

[RobertEG]

The FCRA defines the latest exclusion date for a charge-off or collection as no later than 7 years plus 180 days from the DOFD.

While the creditor is required, once have reported to charge-off, to provide the DOFD, commercial credit reports choose not to show the reported DOFD, but rather to provide an estimated/expected exclusion date.  Each CRA makes its own determination of when they will exclude, which is OK provided they do not exceed the max statutory limit of 7 years plus 180 days.  The usual estimation is provided as approx 7 years from the DOFD.

Showing CRA 1 that CRA 2 has provided an earlier estimated exclusion date will not effect the exclusion date used by CRA 1.

You can always contact a CRA and request that they exclude a bit earlier.  They may entertain an earlier exclusion request of up to approx 6 months, but the fact that another CRA is granting an earlier expected exclusion is not a factor.

[Anonymous]

Thanks RobertEG. You put things in perspective and I will leave well enough alone. You guys are great!