Question on Removal Dates

[Anonymous]

I have my last baddie that my EX report says will fall off Aug of 2017. Does that mean Aug 31 or Aug 1, or is it actually date specific? I tried to get the supervisor to remove it early based on “goodwill” as someone on here told me I could do, but no go.
Needless to say since it is next month I am excited, but want to know when I can expect it to be gone.

Thanks so much in advance.
-dj

[RobertEG]

The FCRA requires that derogs become excluded after the expiration of the stated period.  FCRA 605(a)/

Delinquencies and DOFD are reported only by month/year, and not date of the month, so a monthly delinquency reported in June 2010 would be required to become excluded as of July 2017.

Assuming an exclusion date for a collection or charge-off is based on the full statutory period, then it would become excluded beginning the next month after expiration of 7 years plus 180 days from the DOFD.

[rmduhon]

I'd try again for an EE. All its going to cost is some time and who knows, you might get lucky. It's within the general time frame that EX allows.

[Anonymous]

Thx @rmd.... I think I will try again. I couldn’t believe they wouldn’t do it when I am 3 weeks away. Grrrr.

@Robert... thx for the info on the FCRA. Good info to know. Especially the month year info versus an actual day. Did not know that.

I actually was wondering about Experian specifically. They put on their reports that “will be removed Aug 2017”.... so I’m wondering if that means Aug 1 or Sept 1 for them. I’m wondering how they base that date or how they come up with it. I guess I’m
Going to have to get out my report and count from the DOFd to see how that Aug of 2017 lined up. Just thought someone might know so I didn’t have to do math. Lol.

[Anonymous]

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@Anonymous wrote:
@Anonymous @rmd.... I think I will try again. I couldn’t believe they wouldn’t do it when I am 3 weeks away. Grrrr.

@Anonymous... thx for the info on the FCRA. Good info to know. Especially the month year info versus an actual day. Did not know that.

I actually was wondering about Experian specifically. They put on their reports that “will be removed Aug 2017”.... so I’m wondering if that means Aug 1 or Sept 1 for them. I’m wondering how they base that date or how they come up with it. I guess I’m
Going to have to get out my report and count from the DOFd to see how that Aug of 2017 lined up. Just thought someone might know so I didn’t have to do math. Lol.

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From what someone else said it seems like it won't drop off until September and not August first, so to them it's more than 3 weeks away.

[Anonymous]

Thx. After 2 attempts for early removal...I’m just gonna plan on Sept. after 7 years what’s one more month. :/

[Anonymous]

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@Anonymous wrote:
Thx. After 2 attempts for early removal...I’m just gonna plan on Sept. after 7 years what’s one more month. :/

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Exactly.  You've already made it 98.8% of the way there.  While the last 1.2% is surely going to feel like the longest, it's clearly insignificant in the big picture