Credit Report Question

from500to700 · ‎03-20-2013

Anybody can help me how can I get the credit report that states when the trade line will drop from the report since I can not get it am member of experian, equifax, and transunion credit and when I order the report it does not show, DaBears told me I have to request my credit report that I pay for and I contact them all no one knows what am talking about they say just update your report with our service and that what you can get.

If someone can help me with address or phone or email to whom I should send my request I will really appreciate it . For: ES, TU and EQ

also if I subscribe with my fico score and reports is it a hard pull or soft pull

THank you

Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015

dabrian · ‎03-20-2013

Pulling your own scores is always a SP.

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Anonymous · ‎03-20-2013

@from500to700 wrote:
Anybody can help me how can I get the credit report that states when the trade line will drop from the report since I can not get it am member of experian, equifax, and transunion credit and when I order the report it does not show, DaBears told me I have to request my credit report that I pay for and I contact them all no one knows what am talking about they say just update your report with our service and that what you can get.

If someone can help me with address or phone or email to whom I should send my request I will really appreciate it . For: ES, TU and EQ

also if I subscribe with my fico score and reports is it a hard pull or soft pull

THank you

Only TU and EX have drop off dates. EQ has a DoFD.

Are you able to use annualcreditreport.com to get your 3 free reports?

from500to700 · ‎03-20-2013

I read in this fourum that it was not good to disbute ANNUALCREDITREPORT.COM since they have 45 days to reply for each dispute.

Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015

Anonymous · ‎03-20-2013

That is correct. Using the site or the reports will cause a 45 day dispute time.

But you are looking for the drop off dates and DoFD correct?

Anonymous · ‎03-20-2013

On my Experian report, not everything has a drop off date listed, but it does for most items.

DaBears · ‎03-20-2013

Yes, I said that but also said you can call the CRA to get the DoFD or when it's going to be removed. TU and Ex are the only ones that will list the date of removal. EQ i don't know why they don't do it.

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Anonymous · ‎03-20-2013

@DaBears wrote:
Yes, I said that but also said you can call the CRA to get the DoFD or when it's going to be removed. TU and Ex are the only ones that will list the date of removal. EQ i don't know why they don't do it.

Reporting the DoFD is actually better than the fall of dates. DoFDs are set in stone and you know when your exclusion date is. The fall off dates are not correct many times.