Just called TU to try and get an early exclusion for an item that drops off in only ten days. Yep, denied. As I said before I have no clue how you guys accomplish these things haha.
@dapps06 wrote:Just called TU to try and get an early exclusion for an item that drops off in only ten days. Yep, denied. As I said before I have no clue how you guys accomplish these things haha.
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@growing123 wrote:
@dapps06 wrote:Just called TU to try and get an early exclusion for an item that drops off in only ten days. Yep, denied. As I said before I have no clue how you guys accomplish these things haha.
Yes, the CRA's are in charge of removing/deleting a TL that has or is about to pass it's CRTP.
I'm surprised that TU told you no. If it were me, I would keep calling. EX was very easy as well for me.
Don't give up!! Good luck!
I signed up for the USAA credit monitoring premium last night, and I found that the account in question was missing from my TU report. So it looks like they went ahead and deleted it even though they said otherwise. My experience with EX was much better, I called and they immediately granted the request to remove the account. I have to say at this point I prefer EX over the other bureau's. They seem to be the easiest to work with, and it's the only report where I didn't find a single error. EQ appears to be the worst, I have three disputes with them for wrong information, and I noticed today that they even have two of my addresses listed wrong. Took forever to convince them to change it without sending in a copy of my license or other document, but they finally caved and updated my info.
I have a question for anyone who knows the answer. I've always read the DoFD is the date the seven year clock starts ticking. For my Wells Fargo auto loan that was settled in July of 2010, I actually first became past due October of 2009. I called one of the CRA's, can't remember which one now, and was told that the DoFD only applies to collection accounts, and that once I sold the car in July of 2010 and settled the account, it became current and that's the date the seven year period started from. Is this accurate information? If not that would be great, I'd continue to fight it and get this auto loan removed almost a year earlier than first expected.
@growing123 wrote:
@dapps06 wrote:
@growing123 wrote:
@dapps06 wrote:Just called TU to try and get an early exclusion for an item that drops off in only ten days. Yep, denied. As I said before I have no clue how you guys accomplish these things haha.
Yes, the CRA's are in charge of removing/deleting a TL that has or is about to pass it's CRTP.
I'm surprised that TU told you no. If it were me, I would keep calling. EX was very easy as well for me.
Don't give up!! Good luck!
I signed up for the USAA credit monitoring premium last night, and I found that the account in question was missing from my TU report. So it looks like they went ahead and deleted it even though they said otherwise. My experience with EX was much better, I called and they immediately granted the request to remove the account. I have to say at this point I prefer EX over the other bureau's. They seem to be the easiest to work with, and it's the only report where I didn't find a single error. - Congrats! I agree about EX being very easy to deal with.
EQ appears to be the worst, I have three disputes with them for wrong information, and I noticed today that they even have two of my addresses listed wrong. Took forever to convince them to change it without sending in a copy of my license or other document, but they finally caved and updated my info.
I have a question for anyone who knows the answer. I've always read the DoFD is the date the seven year clock starts ticking. For my Wells Fargo auto loan that was settled in July of 2010, I actually first became past due October of 2009. I called one of the CRA's, can't remember which one now, and was told that the DoFD only applies to collection accounts, and that once I sold the car in July of 2010 and settled the account, it became current and that's the date the seven year period started from. Is this accurate information? If not that would be great, I'd continue to fight it and get this auto loan removed almost a year earlier than first expected. -
The DOFD applies to OC accounts that become past due and never brought current again. The OC is actually the one who sets the DOFD.
So it sounds like your DOFD was 10/2009. But not sure if i have this right...you were late, never brought it current, it was repo'd and you settled with OC?
The car was repo'd in December of 2007, but only for about a week. I went to the tow yard and paid the fees and the car was returned. I went on to own the car until July of 2010 when I sold it. I first became late in October of 2009, the following month I was able to make a payment, but I couldn't afford to make two payments to compensate for the previous month, so for the next several months that's how it went. I was able to make a payment for one month, but I never was able to cover that initial missed payment, giving me a long stretch of late payments. If that makes sense. Here is how it's listed on my EX report:
Sep 2009 - OK
Oct 2009 - 30 day
Nov 2009 - 30 day
Dec 2009 - 30 day
Jan 2010 - 30 day
Feb 2010 - 30 day
Mar 2010 - 30 day
Apr 2010 - 30 day
May 2010 - 60 day
Jun 2010 - 30 day
Jul 2010 - OK (Sold, settled for less because of damage from hit and run driver)
Aug 2010 - CLS
I called in to EXP and was told that once the car was sold in July, it became current and therefore that's the date my deletion date is based on. I was told that DoFD is for collection accounts only, and that doesn't apply to this account. So, not sure what to believe. It's scheduled to drop off in July of 2017, but I feel like it should really be October of 2016, and that's a big difference.
@growing123 wrote:
@dapps06 wrote:
@growing123 wrote:
@dapps06 wrote:
@growing123 wrote:
@dapps06 wrote:Just called TU to try and get an early exclusion for an item that drops off in only ten days. Yep, denied. As I said before I have no clue how you guys accomplish these things haha.
Yes, the CRA's are in charge of removing/deleting a TL that has or is about to pass it's CRTP.
I'm surprised that TU told you no. If it were me, I would keep calling. EX was very easy as well for me.
Don't give up!! Good luck!
I signed up for the USAA credit monitoring premium last night, and I found that the account in question was missing from my TU report. So it looks like they went ahead and deleted it even though they said otherwise. My experience with EX was much better, I called and they immediately granted the request to remove the account. I have to say at this point I prefer EX over the other bureau's. They seem to be the easiest to work with, and it's the only report where I didn't find a single error. - Congrats! I agree about EX being very easy to deal with.
EQ appears to be the worst, I have three disputes with them for wrong information, and I noticed today that they even have two of my addresses listed wrong. Took forever to convince them to change it without sending in a copy of my license or other document, but they finally caved and updated my info.
I have a question for anyone who knows the answer. I've always read the DoFD is the date the seven year clock starts ticking. For my Wells Fargo auto loan that was settled in July of 2010, I actually first became past due October of 2009. I called one of the CRA's, can't remember which one now, and was told that the DoFD only applies to collection accounts, and that once I sold the car in July of 2010 and settled the account, it became current and that's the date the seven year period started from. Is this accurate information? If not that would be great, I'd continue to fight it and get this auto loan removed almost a year earlier than first expected. -
The DOFD applies to OC accounts that become past due and never brought current again. The OC is actually the one who sets the DOFD.
So it sounds like your DOFD was 10/2009. But not sure if i have this right...you were late, never brought it current, it was repo'd and you settled with OC?
The car was repo'd in December of 2007, but only for about a week. I went to the tow yard and paid the fees and the car was returned. I went on to own the car until July of 2010 when I sold it. I first became late in October of 2009, the following month I was able to make a payment, but I couldn't afford to make two payments to compensate for the previous month, so for the next several months that's how it went. I was able to make a payment for one month, but I never was able to cover that initial missed payment, giving me a long stretch of late payments. If that makes sense. Here is how it's listed on my EX report:
Sep 2009 - OK
Oct 2009 - 30 day
Nov 2009 - 30 day
Dec 2009 - 30 day
Jan 2010 - 30 day
Feb 2010 - 30 day
Mar 2010 - 30 day
Apr 2010 - 30 day
May 2010 - 60 day
Jun 2010 - 30 day
Jul 2010 - OK (Sold, settled for less because of damage from hit and run driver)
Aug 2010 - CLS
I called in to EXP and was told that once the car was sold in July, it became current and therefore that's the date my deletion date is based on. I was told that DoFD is for collection accounts only, and that doesn't apply to this account. So, not sure what to believe. It's scheduled to drop off in July of 2017, but I feel like it should really be October of 2016, and that's a big difference.
Maybe someone else will chime in because this situation seems unique, but I still think you're DOFD is 10/2009. You went late/almost repo'd in 2007, brough current again until 10/2009 and then late and never current again. and if the account was brought current according to EX, then what is the CA trying to collect on?
Forgive me if i'm getting this all wrong..
You have it mostly right. There were some late payments between the time of my temporary repo and Oct of 2009, but I brought the account current before Oct/2009 so they are irrelevant.
The account isn't in collections though. It's a closed/settled account. What the EX rep was trying to tell me is that DoFD is only for collection accounts, which this auto loan was not. He said that once the car was sold, that's the same as being brought current, which makes the drop off date begin then, not when I fell behind in Oct of 2009.