2001Badyear Posted December 30, 2007 Report Share Posted December 30, 2007 Hello all,First, what a terrific resource I was lucky enough to stumble on here. Many thanks to all I've already learned from while reading through and searching the forum. Still trying to memorize the acronyms. As my name may imply, all of my negative credit relates to everything in my life going south in 2001. I have no inquiries, but a number of TL's that I'd like to go away. I've found a lot of errors or missing data on the three worst (C/O's) that I'm not sure if I should challenge.Reason is that nearly everything I have negative is scheduled to go away in the next three months or so. Should I just let them drop off? The SOL is and has been up on everything for years (3 in Virginia). The reason this is a debate is my calculations show these should be gone by end of 2008, but see they are scheduled to drop in March 08. If my DOFD is mid year 2001, these should be gone by end of 08, correct?Appearing in mid 2006 was Applied Card Bank entry, I've learned is actually Cross Country Bank. Not sure where this came from, but they erroneously show Jan 2004 as the DOFD, when in fact it's early 2001 with XC. That being said, it too shows deletion from record in March 2008. Go after this too?TU and EQ have the same three entries, essentially correct. EX on the other hand is a mess. The have card numbers way wrong, duplicate entry in one case where one is fine and the other C/O. The C/O is correct, but the other entry is baffling? Any ideas and suggestions would be much appreciated. I have a few other questions, but will post another thread to more appropriate forum here. Link to comment Share on other sites More sharing options...
razr Posted December 31, 2007 Report Share Posted December 31, 2007 The way I see it your options are: Dispute everything and hope they don't bother updating. If they do update, then it will show recent activity on your CR. Or just be patient and let the stuff fall off in March. Personally, I'd just wait and let the stuff fall off.-r Link to comment Share on other sites More sharing options...
2001Badyear Posted December 31, 2007 Author Report Share Posted December 31, 2007 Thanks Razr,Do you, or anyone have any idea why they would be showing scheduled drop prior to calculated time they have to? Does not seem to be in their best interest to do so, and they're not known for being nice. I'm willing to wait, but 3 months will feel like an eternity, just worried they recalculate in March and now I have 9 more months to wait or deal with it. Link to comment Share on other sites More sharing options...
brokeinok Posted December 31, 2007 Report Share Posted December 31, 2007 Ditto, I'd wait for the drop off in March. Then if things don't fall off, start the process. Link to comment Share on other sites More sharing options...
2001Badyear Posted December 31, 2007 Author Report Share Posted December 31, 2007 Excellent,Thanks all, wait it is on these entries. Link to comment Share on other sites More sharing options...
willingtocope Posted December 31, 2007 Report Share Posted December 31, 2007 Do you, or anyone have any idea why they would be showing scheduled drop prior to calculated time they have to? Does not seem to be in their best interest to do so, and they're not known for being nice. The part of the FCRA that controls the length of time a baddie can appear on your reports uses somewhat convuluted wording, Its not completely obvious as to whether its 7 or 7-1/2 years from DOFD. The CRAs seem to have concluded that its 7 years. Wait and see what happens. Link to comment Share on other sites More sharing options...
2001Badyear Posted December 31, 2007 Author Report Share Posted December 31, 2007 I'll wait and let folks know what happens. That's an important piece of information for people on the far end of the period to determine if it's worth the effort to go after these or let them fall out. 7 years is better than 7-1/2 for sure, and that appears to be the case. I wish I'd done the great things I've read about on this forum much earlier. I've read day and night and have learned a lot from many here.Thanks again, Link to comment Share on other sites More sharing options...
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