@keekers wrote:
Update:
I went online to TU and opened a dispute for both of the COs. I checked the "Too Old to be on the report" box and submitted. Both came back as verified and nothing changed. TU lists them with an estimated date of removal as 2/2024. I guess I was a month early? Can I re-dispute for an EE again next month?
if date is 2/2024 would be next month
>
Another update: submitted another dispute on TU just now and both were immediately removed.
Verified EX shows an "on record until" date of 1/2024...this means I need to wait until October to request an EE? I'm slightly confused on the timeline for them. Thanks!
Verified EX shows an "on record until" date of 1/2024...this means I need to wait until October to request an EE? I'm slightly confused on the timeline for them. Thanks!
Since been calling every month for many account most is 30 days early but did get lucky with one doing 3 month but after that back to 30 days ...
@drewricomakeubu wrote:In my experience with EX, I called 3 months ahead of my fall off date with them. They denied me EE, calling back 1 month ahead of EX fall off date, they removed. It took some sweet talk but they ultimately granted the EE. If your DOFD is 3/17 then that 1/24 fall off date for EX is accurate. I would try calling EX's dispute department in December.
Update: Yesterday (Dec 1st) I submitted an online dispute to EX. I chose "Other" as the category and asked for an EE for the 2 COs due to fall off next month. This morning I received a notification that my dispute results were in....and they were both REMOVED and my score jumped 53 points!
The last one is EQ, but as I understand it there's no hope and I have to wait for it to fall off naturally most likely but are there any data points that show them dropping early? In this case the DOFD is 3/2017 so will it naturally fall off in Feb 2024 or is that only if I call for an EE?
@keekers wrote:
@drewricomakeubu wrote:In my experience with EX, I called 3 months ahead of my fall off date with them. They denied me EE, calling back 1 month ahead of EX fall off date, they removed. It took some sweet talk but they ultimately granted the EE. If your DOFD is 3/17 then that 1/24 fall off date for EX is accurate. I would try calling EX's dispute department in December.
Update: Yesterday (Dec 1st) I submitted an online dispute to EX. I chose "Other" as the category and asked for an EE for the 2 COs due to fall off next month. This morning I received a notification that my dispute results were in....and they were both REMOVED and my score jumped 53 points!
The last one is EQ, but as I understand it there's no hope and I have to wait for it to fall off naturally most likely but are there any data points that show them dropping early? In this case the DOFD is 3/2017 so will it naturally fall off in Feb 2024 or is that only if I call for an EE?
Probably delete 1/1/2024 automatic .. just wait this out . Like everyone says leave it ..