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When does Ex, Eq, Tr remove late payments from credit reports

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coolandcalm
Contributor

When does Ex, Eq, Tr remove late payments from credit reports

I have  a late payment from Aug 2017 that is nearing the 7 year mark..

 

Experian has a note on this account that its "set to go positive by Apr 2024".. but it hasn't been removed yet..

 

Looking for data points on how early, and possibly what day they remove late payments.

Message 1 of 4
3 REPLIES 3
FireMedic1
Community Leader
Mega Contributor

Re: When does Ex, Eq, Tr remove late payments from credit reports

With EX you can file a dispute and mark it as "too old" The other CRA's will be the 7 yr waiting period.



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Message 2 of 4
coolandcalm
Contributor

Re: When does Ex, Eq, Tr remove late payments from credit reports

Just to be clear this is an open account.. and I'm not referring to Early Exclusion

Message 3 of 4
CYBERSAM
Senior Contributor

Re: When does Ex, Eq, Tr remove late payments from credit reports

That would normally means by the end of that month, so in your situation, most likely May or even June. However if you had disputed it few months ago, possibly could have been removed! But no point starting that now.







                
Message 4 of 4
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