@Credit17 wrote:On my TU credit report, the "Estimated month and year this item will be removed" is incorrect for a lot of cards. And it is for a date several years in the past. The DOFD is around August 2018 for most accounts but the removal date is listed as follows for the various cards:
12/2013 (AmEx)
2/2014 (BOA)
3/2016 (Chase)
12/2020 (Chase)
7/2025
8/2025
The DOFD date on my Experian and Equifax reports appear to be correct. And everything else is correct. Has anyone seen this before?
I'm quite certain that I can't call TU and have them remove the incorrectly dated entries. But it would be great if they did. My main concern is what happense when they should fall off. Will I have to file a dispute to get the date corrected and then wait for them to fall off?
@Credit17Welcome to the forums.
Can you verify the 3 above. What do your reports say the DoFD say exactly. Not fall off dates. First 2 are way past that. Any baddie thats reporting past the 7 yrs mark with the exception of closed accounts should be removed. If any do pass that. CO's are up to 7.5yrs but usualy go at 7. You can dispute it as too old. Bit more info needed.
Were getting there. Look at the month/yr of the first late that led to a CO status. That's your DoFD. Should be 30/60/90/120/CO Closed
@Credit17 wrote:All of the accounts went into default at the same time, with the 30 day late in August or September of 2018, 60 days late the next month, and then so on. So I understand that DOFD of each should be 8/2018 or 9/2018 (or I think that I read that it's actually a few months after that). So they should all come off in or around 8/2025. Which most have. Except for the three referenced accounts above on the TU report.
Yes they should be gone 08/2025. These two dates:
12/2013 (AmEx)
2/2014 (BOA)
Are you saying TU has the wrong dates? Where the others are ok? If so. Let them be until 08/25. When the others fall off. Then file a dispute as Too Old. You dont want to dispute until then. Dispute now and it will come back verified and there goes some points for being updated as new.
@Credit17 wrote:Thanks. That was my thought as well -- let it be until they fall off.
But, yes, TU has those dates in the report (or reports them from the creditors). It's crazy and something that I had never seen before. I did find it interesting that several creditors had the same issue and that Chase reported different accounts differently.
But, as you note, any attempt to seize on that inaccuracy to get them removed will likely only result in the information being corrected and updating the latest report date.
Yeah as we say here. Dont poke the bear. Once the other 2 go poof. It may just follow. You know what to do if it doesnt.
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