Fall Off Date Accuracy?

[Mdg1307]

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@FireMedic1 wrote:

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@FriendshipSoft wrote:

Does July 2023 fall off projected date mean July 1 ? Sorry being greedy here 

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It will fall when they do their internal update. Just like banks on weekends.

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Any idea when experian does this?

I just got a fresh report and 2 items set to be deleted in July are still on it.

[FriendshipSoft]

I called exp and they said it's on til 7/31 and was already included in early exclusion . Not sure how accurate that is but I am waiting as patiently as possible !! Let me know of your progress I'll post mine as soon as updated . Thank god for this forum , feels like a community effort 

Exp 686

Eq 657 

TU 797

go figure 

[MeredithLepore]

That's exciting! Report back on your scores in a few weeks!

[Andy-Griffin]

At the risk of looking ignorant, what are you using to see an estimation of when something comes off your report?

Thanks!!

[FriendshipSoft]

Hi - fall off dates are listed on annual credit report. Using some guesswork of early exclusion as well as the 7 year dofd window 

[coldfusion]

Experian can be wonky with their reported removal dates.  To give a common example they report inquiry removal dates as being exactly 24 months to the day after the inquiry date but outside an unusual circumstance they aren't actually removed from one's report until the 1st or 2nd Saturday of the next month.  f the 1st Saturday falls on the first couple of days of the month the processing isn't done until the 2nd Saturday.    This month the processing date was last Saturday, 7/8.

[911gt34life]

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@FriendshipSoft wrote:

I called exp and they said it's on til 7/31 and was already included in early exclusion . Not sure how accurate that is but I am waiting as patiently as possible !! Let me know of your progress I'll post mine as soon as updated . Thank god for this forum , feels like a community effort 

Exp 686

Eq 657 

TU 797

go figure 

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you need to call back get it remove keep calling ...all my july account been remove already now dealing with august account...

they tell you that included in early exclusion but could remove 30 days before build in date...

[FriendshipSoft]

They told me the early exclusion was already built in since it was supposed to fall off in dec 

[911gt34life]

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@FriendshipSoft wrote:

They told me the early exclusion was already built in since it was supposed to fall off in dec 

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they told me same thing and one day call found out could delete 30 days before Build in date....my next 2 account going delete are chase... 'On record until Aug 2023' be calling next friday delete both.. all my july account been delete about 3 of them..

[FriendshipSoft]

My Eq score just jumped from 657 to 703! 

I thought it was because of my PRA deletion bc they deleted Experian collection last night. Nope Eq deleted nfcu so I am at 703 with both PRA still listed on Eq - wow , that should come off tonight or tomorrow I would imagine.

Exp 716

Eq 704

TU 797