The info on my TU, EQ and Ex reports are almost the same. The only difference is the time listed for items to fall off. I was curious, does Experian remove derogs 1 year early? They have 1 year early removal dates on all of my judgements and collections. I was wondering if its because it was going by Oregon law? Seems weird to me that State law would go over federal but I dont know 
I dont think its possible but I cant come up with much else as to why they are all 6 year instead of 7 year.
Sooo my question is, are your remval dates on baddies the same on ex, tu and eq? Thanks!
@japakar wrote:The info on my TU, EQ and Ex reports are almost the same. The only difference is the time listed for items to fall off. I was curious, does Experian remove derogs 1 year early? They have 1 year early removal dates on all of my judgements and collections. I was wondering if its because it was going by Oregon law? Seems weird to me that State law would go over federal but I dont know
Sooo my question is, are your remval dates on baddies the same on ex, tu and eq? Thanks!
If your state has a different timeline for derog reporting then the CRA will uphold it, federal would not take precedence. Its also possible they made a mistake and I would not be rocking the boat... Removal dates are typically within a few months of each other.
@japakar wrote:Yeah I wont dispute them, either way they are all gone within the year.
Experian also actually deleted my old home depot charge off 9 months before either of the other 2 did. I requested with TU and EQ citing the original date of final payment and they removed it within days. (When the CO was sold again TU and EQ reupped the date to 5 years later than original, EX did not)
I didnt think the CRAs removed anything earlier than 7.5 years no matter where you lived?
and the state statue of limitations was almost always shorter, but only had to do with them being able to sue/try to collect?
Yup, SOL is just a timeline allowed by a state to a creditor to successfully use the court system to help collect. SOL laws have nothing to do with reporting laws.
@Anonymous wrote:If an account has been charged off but paid, and the consumer resides in New York, the account should not report once 5 years have passed. Many users on this board have had items removed prior to the seven years from DOFD via this law. Experian has given many people a difficult time due to their interpretation of this law. TU and EQ remove these accounts within 5 years from DOFD. For anyone who may be interested, the excerpt of this law is here, taken from the following thread:
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NY-5-year-rule-for-experian/td-p/788169
The statute is New York Consolidated Laws Chapter 20, Article 25, section 380(f) which specifies, that:
“Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information...
(iv) accounts placed for collection or charged to profit or loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit or loss, which have been paid and which antedate the report by more than five years”
Wow...I need to see if my state follow this rule! My last 2 would come off next year not 2018...that would be sweet.
@New_Beginning wrote:
@Anonymous wrote:If an account has been charged off but paid, and the consumer resides in New York, the account should not report once 5 years have passed. Many users on this board have had items removed prior to the seven years from DOFD via this law. Experian has given many people a difficult time due to their interpretation of this law. TU and EQ remove these accounts within 5 years from DOFD. For anyone who may be interested, the excerpt of this law is here, taken from the following thread:
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NY-5-year-rule-for-experian/td-p/788169
The statute is New York Consolidated Laws Chapter 20, Article 25, section 380(f) which specifies, that:
“Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information...
(iv) accounts placed for collection or charged to profit or loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit or loss, which have been paid and which antedate the report by more than five years”
Wow...I need to see if my state follow this rule! My last 2 would come off next year not 2018...that would be sweet.
I can help you with this one, NY is the only state that has this law.
@gdale6 wrote:
@New_Beginning wrote:
@Anonymous wrote:If an account has been charged off but paid, and the consumer resides in New York, the account should not report once 5 years have passed. Many users on this board have had items removed prior to the seven years from DOFD via this law. Experian has given many people a difficult time due to their interpretation of this law. TU and EQ remove these accounts within 5 years from DOFD. For anyone who may be interested, the excerpt of this law is here, taken from the following thread:
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NY-5-year-rule-for-experian/td-p/788169
The statute is New York Consolidated Laws Chapter 20, Article 25, section 380(f) which specifies, that:
“Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information...
(iv) accounts placed for collection or charged to profit or loss which antedate the report by more than seven years; or accounts placed for collection or charged to profit or loss, which have been paid and which antedate the report by more than five years”
Wow...I need to see if my state follow this rule! My last 2 would come off next year not 2018...that would be sweet.
I can help you with this one, NY is the only state that has this law.
Well that sucks...lol! Thanks for the information 
Ended up buying the score and report. This thing is so neat, it makes me want to buy all 3 and check is constantly 
Anywho, just writing to say, Experian is very weird. I have no collections and 3 judgements with Ex. (52 inqs, seems alot of my apps were on ex)
TU and EQ have 4 judgements and 2 medical collections from 2012.
Kind of want to buy all the reports to see if its just experian missing my collections in their scoring or what. Nice to see a judgement fall off though! Being garnished for that one currently.
No reason to the post, just excited this info is neat to have all layed out easy to read. (I write it all down on papers at home, its alot of papers)