@RobertEG wrote:Exclusion of monthly delinquencies is not based on any determination by the creditor.
It is determined solely by the CRA based on the month/year of the reported delinquency.
FCRA 605(a)(5).
That's what I figured but thank you for the clarification.
While each monthly delinquency is required to be excluded based only on its indvidual date of occurence, nothing prevents a CRA from excluding a string of delinquencies once the first delinquency in that string becomes excluded. Many anecdotal posts over the years have shown such discretionary early exclusions of later delinquencies to be common. That may be the case.
Very interesting. That's why I posted here -- to see if anyone had had that happen to them. No one who had chimed in but again, thanks for the information.
One could contact the creditor to determine whether they reported deletion of delinquencies, or contact the CRA to determine whether removal was done by them as an early exclusion. Until confirmation, it is speculative as to whether a removal occured as a result of CRA exclusion or creditor reporting of an actual deletion.
I'd be very worried about doing that lest either one re-reports it in a way that doesn't favor me. And in truth, EX removing that string doesn't really help me as both TU and EQ are still reporting those lates "accurately". So unless I can find a captive auto lender that wants to give me 0% whilst only checking Experian...
@credit_endurance wrote:I can make a prime example myself. I have 2 Navient student loans that where reporting 15 lates each on both TU & EQ starting from 2010 through 2013. I made countless disputes trying to first have the loan removed because they both where PIF as of April this year. Finally gave up dealing with the credit bureaus and contacted Navient directly. Had a representative look into my case and noticed that forbearance was offered and excepted from the years of 2010-2012 but somehow the paperwork didn't get through to the right department. But was not offered for the year of 2013. So she had the lates deleted from the years of 2010-2012. Problem that occurred with this is it not only did it leave my most recent lates showing now on my report, I also have to wait longer for the lates to drop off in 2020. Guess I did luck out with the fact that the removing of the older lates( that have less impact on scores) and now showing the most recent ones haven't impacted my scores at all. I guess my point of all this is sometimes we should let sleeping dogs lay. Instead of stirring things back up.
I'm confused. Your lates from 2013 were already reporting to your credit reports, yes? So when 2010-2012 lates were removed that only bettered your situation, correct? And your 2013's were always going to be removed in 2020, that didn't change. What am I missing?
@Anonymous wrote:I think it's what Robert said. When the first in the string drops, they all drop off if continuous. I have seen this behavior before. I am pretty sure they won't come back. Must feel great!
You've seen it before -- did it happen to you?
It feels like a hollow victory because practically speaking, it doesn't really help me. Now if all three did it, I'd be jumping for joy.
The first one in the string is October and TU has already dropped it while EQ has dropped both Oct and Nov. Sadly, neither seems to be giving me the love that EX did.
@Anonymous wrote:It did, yes. Back in 2008 when all was melting down, i went back to school, and stupidly took a couple loans. Student loans. Fast forward to 2010, i was in hospital trying to die and i thought the loans were in forbearance. Long story short, a string of LATES began. I tried to get them gone and to this day i cannot figure where my deferment went. But the behavior you are describing/showing is very much what i saw. And yes, not all of them acted the same. You have yet to win the war, but at least you are winning some battles. Hang in there, higher scores are coming!
I hope you're feeling better and no longer trying to die. 
Thanks for chiming in, I was hoping someone else had this experience. Good to know they won't just magically reappear.
I won't have won the war until the final 2 lates go away. I'm thinking I may try a GW letter to CapOne Auto and see if I get lucky. That whole string disappearing early has motivated me!