Experian update day?

[Anonymous]

So, the account did not fall off over the weekend, so I finally bit the bullet and called. I got past the first CSR to the first level supervisor who verified it was set to fall off and told me it would be off in 24-72 hours. Great. I then log into my experian.com account because in the past items are removed before I even hang up. It was still there, AND there was an alert that I opened a new dispute on that account! What the heck? Why would the rep not tell me they were opening a dispute, and why would they even NEED to open a dispute when they already verified it was set to be removed. Do I call back and complain and escalate to another supervisor? I had this happen once in the past (opened a dispute on something set to fall off) with TU and they took the full 30 days PLUS to finish the dispute which left the tradeline on my report longer than it was supposed to be there to begin with. 

[EW800]

You should still be fine. I got the same Dispute e-mail minutes after being told by Experian as well that the negative account would be removed. The e-mail stated it could take up to a month to complete, however I believe it was the next morning that I got an update saying that it was complete. I think calling it a dispute or running it through the dispute process is just how they do manual removals. I suspect tomorrow or Wednesday you will see the account gone.

[Anonymous]

Thank you EW800!! That makes me feel a lot better. I was so ticked when that popped up and gave me the one month message. Now I'll just let it go and wait a bit longer. 

[EW800]

Please let us know what happens. It sounds like you are experiencing pretty much identical to what I did, so hopefully you will have good news by this time tomorrow.

[Anonymous]

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@EW800 wrote:
Please let us know what happens. It sounds like you are experiencing pretty much identical to what I did, so hopefully you will have good news by this time tomorrow.

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You were 100% correct! It's 2:30 am here and I just got an email that the dispute was resolved. When I logged in, *poof*, the account was gone. I now only have ONE baddie of <$100 that is over 4 years old on my EX report. I can't wait to see what my score does!! I am still debating whether I should do anything about that old account (it is an unpaid c/o that hasn't reported in over 4 years) as I don't want to pay it and then have it just update and look like a NEW paid c/o. FICO08 ignores paid <$100 c/o, I believe, but I would probably damage my mortgage scores, which I care about the most right now. 

[Anonymous]

Well, my FICO 08 updated to 675 from 651. Honestly, I thought I would see a larger boost than that as the only delinquency is that <$100 c/o that hasn't updated in over four years. My TU FICO 08 is higher at 684 and that has the small c/o PLUS 64 60-120 day lates on old student loans that have since been rehabbed. Everything else is reporting identically other than TU having one less inquiry. So, that's a little depressing as I thought for sure it would go above the TU score as it is a "better" profile than TU by far. How frustrating! I guess that's a post for another forum, though. *sigh* 

[Queen_Etherea]

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@EW800 wrote:

I too have a baddie (CC Charge-Off/Settlement) that is scheduled to fall off of Experian July 2018.  I called early this morning to inquire about getting it off, was put on hold for about five minutes, then advised that the account did meet their criteria to come off now.  The rep advised that she was removing it then and that I would see it reflect on my report within 24 hours or so. 

If you are showing a drop of July 2018, I suspect if you call you will have the same results.  

If I am not mistaken, one of our resident experts (gdale6? - and if it was him, this likely is very accurate) advised a while back that he believes that Experian does the drop updates the first full weekend following the first of the month, so if that is accurate, that would be this coming weekend - July 7/8.  

Good luck!  

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I know your comment is a few months old, but I was told the same thing when I spoke to an Experian rep. She said the 3 items should be deleted in 24-72 hours, but I got a bunch of emails saying 3 disputes were open and then later emails saying the dispute results were ready and that the accounts were "Updated". Did this happen to you, too? She said they were going to be gone, deleted, goodbye! but now they just show as updated.

[wvasweetness]

Was this set to fall off because you're 7 years past the original collection date?  I'm glad it was deleted!