Which credit report to get info about expected drop off dates?

[Anonymous]

I have TU's 3-in-1 reports, Experian's service and pull once a month or so the myfico reports/score. None of those give the expected "drop off" date for items, although I have seen that on some reports I get in the mail every so often. I have a few older negative items that may be falling off in the relatively near future so I'd like to have the info about expected "drop off" date as that info would help me plan what to do about the remaining few negative items. I have 2 that I just don't think are legit and have been DV'ing them without results, but if they fall off naturally in a couple months then I may as well wait, regardless of the lack of validity to the original debts. Simple question for the experience here that probably know: What report(s) can I get (and where) that shows that information (expected drop off date) for all 3 reports? This would help tremendously both for peace of mind and knowing what I should do or not do given time demands as to how I approach contesting invalid information. I called Experian recently and the phone rep was very helpful and nice and told me that something was about to fall off anyway (and it did). It would have been a waste of time to contest that information of course. My scores: July 12 (TU: 689, EQ: 661, EX: 706)

[MidnightVoice]

The CR is get from EX always has it - I get it once a year

[Anonymous]

I get my CR from Experian from their website service and it doesn't have the info unfortunately. I've only seen it on hard copies I get in the mail but don't receive that very often (it's been months/year since I did and I don't think I have that report any more). I'd like a current one from each of the 3 CRA's that lists this info. Is there somewhere from where I should be ordering that is better for this *full* report?

[Anonymous]

I get the 3 in 1 reports from True Credit.  I've noticed that when I go to dispute something on Experian by going through the True Credit site, I can see a full report with expected drop off dates.  Sometimes I hit the dispute button just to see these dates and don't necessarily dispute anything. 

[haulingthescoreup]

If you go through the dispute option, you'll see the softs. You should also get the full she-bang if you buy a new report. If you just update one that you already bought, I think you get the silly truncated version. (I get lost on the EX site a lot.)

You should be able to get the same full report that was mailed to you in an online version.

[smallfry]

Actually I have found more info for the drop off dates on the Transunion report my SO just got in the mail yesterday. All the collections had the drop dates. The Experian was missing a few but had the majority listed.

[Anonymous]

I'll try the dispute option (without disputing anything) and see if it'll give me the info. thanks.

[MattH]

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@Anonymous wrote:
I have TU's 3-in-1 reports, Experian's service and pull once a month or so the myfico reports/score. None of those give the expected "drop off" date for items, although I have seen that on some reports I get in the mail every so often. I have a few older negative items that may be falling off in the relatively near future so I'd like to have the info about expected "drop off" date as that info would help me plan what to do about the remaining few negative items. I have 2 that I just don't think are legit and have been DV'ing them without results, but if they fall off naturally in a couple months then I may as well wait, regardless of the lack of validity to the original debts. Simple question for the experience here that probably know: What report(s) can I get (and where) that shows that information (expected drop off date) for all 3 reports? This would help tremendously both for peace of mind and knowing what I should do or not do given time demands as to how I approach contesting invalid information. I called Experian recently and the phone rep was very helpful and nice and told me that something was about to fall off anyway (and it did). It would have been a waste of time to contest that information of course. My scores: July 12 (TU: 689, EQ: 661, EX: 706)

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The free reports I get once a year from www.annualcreditreport.com have all the dropoff dates and softs, the reports I get from myfico.com don't. I save them in electronic form so I can refer to them at any time during the year.

[Anonymous]

https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link- 

You can use the same Exp report number over and over.

[smallfry]

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@Anonymous wrote:

https://annualcreditreport.transunion.com/user/returnUser.jsp

https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE

You can get full free reports via this link-

You can use the same Exp report number over and over.

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I wouldn't make a habit of abusing the EX link.