Can I delete this charge off early from Experian

[Jccflat]

I can take it off July
Anyway I can do it before fien Experian ?


Info
Tap labels for more details
Account number
636992XXXXXXXXXX
Account status
Closed


Date opened
Jul 1, 2013
Account type
Installment Sales Contract
Balance
Loan Amount
$0
$77
Payment Info
Status
Charge-off
Updated on
Aug 1, 2014
Past due amount
-
Original loan amount
-

[Anonymous]

I think you have to wait seven years before you can take them off so I guess by August 1, 2021, you should be all good to clear if off.

[satio]

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@Jccflat wrote:
I can take it off July
Anyway I can do it before fien Experian ?


Info
Tap labels for more details
Account number
636992XXXXXXXXXX
Account status
Closed


Date opened
Jul 1, 2013
Account type
Installment Sales Contract
Balance
Loan Amount
$0
$77
Payment Info
Status
Charge-off
Updated on
Aug 1, 2014
Past due amount
-
Original loan amount
-

---

What is not apparent from the information supplied is what the date of first deliquency is for this account.

Updated on Aug 2014 would appear to mean the last time the account was updated on Experian. What is the Month/Year of the first 30 day late where the account was never brought current again before the charge off?

Based on that date we can better estimate the fall off date.

You can also pull your credit reports from annualcreditreport.com for free if you have not done so already and the report for experian from this resource will tell you the expected fall off month/year.

[SoCalifornia]

85 months from the original date of delinquency. In my experience with Experian, I have never received an early removal of anything. They basically tell me to have patience. Those guysss 🤷🏽‍♂️

[pizza1]

yep, need a DOFD first to establish fall off date, and then go from there.

If your DOFD was 8/1/14, then your expected fall off would be 08/2021.

Experian will delete 1-3 months early, but not that early.