dazedandconfusedincali

One last deletion and I'm home free!!

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I need to get an old tradeline of of TU asap!!! It is supposed to come off 3/09 but I am buying a house and they would like me to pay it off, but I was wondering if I just called TU and asked them a couple of weeks early if they would just delete it? Has anyone had any luck getting early deletes with TU? I got lucky and called EX on one that was dated 2/09 last week, but it was due. Thanks for the help

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If the OC deleted, you could use that with the CA and threated a lawsuit for false reporting of the DOFD. That is the date they use to determine deletion.

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Thanks I just called them and asked them to remove because the OC was removed last year and it is supposed to drop off on 3/09 and she says we'll have dispute as wrong dates with the collection agency and you should get your answer in 30 days. I guess I just should have waited 2 weeks.

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I had/have a similar situation that has also been tricky. I have a Calvalry collection listed that is over 7 years old and the CRAs keep Verifying it with Cavalry. The original OC charge-off is long gone but this one wont' go away.

I wish I had some good advice. Maybe try getting your account history from the OC and send that in with your dispute. This might be good proof of the DOFD.

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