@RobotDR wrote:
I tried searching but couldn't find it.
If I try and dispute for early exclusion from EQ, EX, or TU, and it is not approved, is that a negative impact of any form? This is for student debt that I (i forget the word... rehabilitated?) like 4 or 5 years back and I have been good ever since. The baddies are set to fall off June 2023.
Thanks!
if your baddies are set to fall off in June you can request to have them removed because they're "too old" to report, I wouldn't term it as a dispute. TU six months early, EX 3 months early, EQ 30 days. Nothing negative other than they can tell you no.
Potential negative and this concerns that CRA which I loath, Equifax. I have a single 30 day late on my report from June 2016. I successfully disputed it with EX last year and they removed the late, but kept the account. Cool
just last month ( I think) I contacted TU and asked them if they could remove it because it was too old. They removed the entire account, got quite a bump in my TU score, very nice!
Today, although I'm fully aware it's well ahead of the 30 day window for EQ, I was bored, so I called to see what I could do, if anything. I got a CSR on the phone, told her I wanted to have this account removed because it was too old. She told me, well it has to be based on the date last reported which was coming up as March 5, 2022.... Wait, what?... and, it would have to remain on my report for 7 years from that date, not cool at all (this is where I start experiencing negativity). I politely asked her to speak to a supervisor, she gladly obliged. I spoke to a supervisor named Frank, I asked how can a paid in full account closed in June of 2016 be reported in March of 2022 and shouldn't it go by the date of first delinquency? "Yes sir, you are correct, the CSR was incorrect and I apologize. However, we cannot remove it more than 30 days early so if you will please call back on May 1st, we will gladly remove it from your report sir". WIll do, thanks Frank!
On a side note, the date last reported of March 2022 came as a result of when last year, I disputed the late payment due to the auto dealer paying off my note late, causing me to be imposed the 30 day ding on my report. Unlike EX, who just removed the 30 day late, EQ called the creditor, and confirmed the late payment, they updated the "date last reported".
