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yea i use credit karma and its due to be updated tomorrow it says
Removal of reported derogs or of the entire account could occur either due to exclusion of the informaton by the CRA under the exclusion requirement of the FCRA, or by the explicit reporting by the creditor of deletion of the information or the entire account.
CRA exclusion occurs at approx 7 years from the reported DOFD, but is not required until after 7 years plus 180 days from DOFD.
The exact date of exclusion by each CRA thus has some flexibility, and can vary by up to 6 months.
If the removal was due to reporting of deletion by the creditor, it can occur at any time.
When you see removal substantially earlier than 7 years from the DOFD, it is almost always a result of the creditor deciding, for whatever reason, to report deletion, and not upon the CRA excluding the information based on their credit report exclusion requirements.
What is the reported DOFD?
@RobertEG wrote:Removal of reported derogs or of the entire account could occur either due to exclusion of the informaton by the CRA under the exclusion requirement of the FCRA, or by the explicit reporting by the creditor of deletion of the information or the entire account.
CRA exclusion occurs at approx 7 years from the reported DOFD, but is not required until after 7 years plus 180 days from DOFD.
The exact date of exclusion by each CRA thus has some flexibility, and can vary by up to 6 months.
If the removal was due to reporting of deletion by the creditor, it can occur at any time.
When you see removal substantially earlier than 7 years from the DOFD, it is almost always a result of the creditor deciding, for whatever reason, to report deletion, and not upon the CRA excluding the information based on their credit report exclusion requirements.
What is the reported DOFD?
it was due to fall off in 18 more months
well as of today its still only deleted on my experian report so i guess they didnt delete it off my EQ guess ill give it another week or two ive decided to stop asking for GW if it turns out it was only deleted off my ex dont want them to readd it
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in georgia its 6yrs not 7yrs
@Anonymous wrote:in georgia its 6yrs not 7yrs
are you sure about that?
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