@Anonymous wrote:
I have many inquiries and it is hindering acceptance of new lines of credit. If a credit report lists a collection as "opened on" 'May 2010' then that means in June 2017 is when it should be removed? I have two public records. One is from 2009 and one from 2010. Both satisfied 4+ years ago. Are you saying I should request to remove those? If so, how and when? Otherwise I do have 3 collection accounts as well. Should I contact someone about removing those as well? One is from 2007 and one from 2009 as well as one from 2010. I have worked really hard for the past two years on building my credit and my last missed payment was 4.2 years ago.
I don't have my reports in front of me, but there should be a date listed for the judgements(Filing Date I believe?). For me, this was the date the judge entered the judgement in court for me. And for me, those judgements came off 7 years later.
Correct me if I'm wrong, but for collections, I believe the "opened on" date is when the CA was assigned or bought that account from the OC or another CA. This is not the DOFD afaik, which is the important date you need to know when to request EE. Generally speaking for me, the opened on date was usually 2-6 months after my DOFD.
You can get the DOFD's(if you dont know them) for free from annualcreditreport. You get 1 report per year from that website.
As far as the public records removals, it depends on what type they are, and what the law is in your area of the court they came from. Some courts/states allow removal after satisfaction. I don't know about tax liens.
@Anonymous wrote:
@GoldSorata wrote:Because you wont have much success and they are a small part of ones FICO score. Disputing them with the CRAs and you risk getting a fraud alert placed.
And inquiries are a short term issue (they only affect scores for 12 months and are gone at 24), while rebuilding is a long term (24+ months) project.
+1
I'm 25 months into my rebuild with another 4-7 months to go till my reports are clear as long as the 6 month/3 month early exclusion holds true with TU and EQ/EX.
Not even worried about the 18 INQs I took in January for the car I bought... they counted as 1 for FICO scoring and won't matter at all in another 6 months anyway.
@RobertEG wrote:DOFD only applies to collections and charge-offfs. It does not apply to the exlcusion period of any types of public record information.
Public record information has exclusion dates dependient upon the type of information.
Judgments can remain for 7 years from date of entry of the judgment or until expiration of the statute of limitations on enforceability of the judgement, whichever is longer.
Tax liens become excluded 7 years after date paid.
What about BK? My 13 has a 7 year date of 4/1/16... and I'm assuming I can ask for EE from the CRAs at the same time with all the IIB accounts.... which would be 10/1/15 for TU and 1/1/16 for EQ/EX following the 6 month/3 month info that is plastered all over these forums.
To removed PRs from your report prior to CRTP
Judgments - A motion to vacate on grounds its been paid needs to be filed with the court that granted said judgment. Some states allow this others dont you will need to check you states laws governing the Civil Court system as to the reasons a judgment can be vacated.
Tax Liens - You would need to get the reporting entity to withdraw the lien after its been paid for it to be removed from your CR.
Bankruptcy- This one runs till CRTP
@gdale6 wrote:To removed PRs from your report prior to CRTP
Judgments - A motion to vacate on grounds its been paid needs to be filed with the court that granted said judgment. Some states allow this others dont you will need to check you states laws governing the Civil Court system as to the reasons a judgment can be vacated.
Tax Liens - You would need to get the reporting entity to withdraw the lien after its been paid for it to be removed from your CR.
Bankruptcy- This one runs till CRTP
So is this the point where I stop getting excited thinking my BK13 will be gone before April 1 with early exclusion? I swear I've seen reports of people with BK's deleted early.
@TRC_WA wrote:
@gdale6 wrote:To removed PRs from your report prior to CRTP
Judgments - A motion to vacate on grounds its been paid needs to be filed with the court that granted said judgment. Some states allow this others dont you will need to check you states laws governing the Civil Court system as to the reasons a judgment can be vacated.
Tax Liens - You would need to get the reporting entity to withdraw the lien after its been paid for it to be removed from your CR.
Bankruptcy- This one runs till CRTP
So is this the point where I stop getting excited thinking my BK13 will be gone before April 1 with early exclusion? I swear I've seen reports of people with BK's deleted early.
Early exclusion would still apply. I said that to indicate that there is nothing to be done like you can do with judgments & Tax Liens.
@gdale6 wrote:Early exclusion would still apply. I said that to indicate that there is nothing to be done like you can do with judgments & Tax Liens.
Thanks for clearing that up. Sorry for confusing myself. I'm glad I can still look forward to EE this fall. 
@Anonymous wrote:Someone is saying it's 7.5. Is it 7 or 7.5?
The maximum time it can remain on file by federal law is 7.5 yrs from the accounts DoFD.