One old Negative item on one credit report ...but not another

[Anonymous]

I have an old late payment negative item (6 years 3 months).

It appears on one bureau's credit report but not another.  (it used to appear on all credit reports). 

When will it leave all my reports?

can i get the bureau that has the negative item to remove it because it no longer appears on the other reports?

Thanks 

[Revelate]

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@Anonymous wrote:

I have an old late payment negative item (6 years 3 months).

It appears on one bureau's credit report but not another.  (it used to appear on all credit reports). 

When will it leave all my reports?

can i get the bureau that has the negative item to remove it because it no longer appears on the other reports?

Thanks 

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Welcome to the forums!

Typically should fall of after 7 years, sometimes it does fall off early; however, the bureaus are rigidly independent of each other, they won't delete information because the others don't have it... technically having more information is a competitive advantage for them over the others.

[takeshi74]

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@Anonymous wrote:

can i get the bureau that has the negative item to remove it because it no longer appears on the other reports? 

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Nope.   A policy like that would easily be abused.  You can dispute invalid information but "not falling off yet" doesn't fall under invalid information.

[growing123]

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@Anonymous wrote:

I have an old late payment negative item (6 years 3 months).

It appears on one bureau's credit report but not another.  (it used to appear on all credit reports). 

When will it leave all my reports?

can i get the bureau that has the negative item to remove it because it no longer appears on the other reports?

Thanks 

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There's no harm in asking the CRA for an early exclusion of this late.  You can call and ask; no disputing involved.

[Bman70]

You can also ask the institution that reported the negative to remove it. In a goodwill letter or other approach.

[dman23]

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@Bman70 wrote:

You can also ask the institution that reported the negative to remove it. In a goodwill letter or other approach.

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Hi Bman. I have the same situation. Collections account from 2009 (Paid in full) was removed early by Equifax & Transunion, but still being reported by Experian. My guess was that EQ & TU removed the account at their discretion and Experian has not.

I want to call the collection agency and ask them to remove account from Experian but I'm concerned that they might turn around and get it put back on my TU & EQ reports. I don't know if they can do that but that is what is keeping from getting in touch with CA.