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Question By
Johnson54321

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4 People Helped
A collection account removed from one credit agency but not form other two. Can I disbute other two?
I have one item removed from experian but not frm TransUnion or equifax. I called them one of them said it will be removed after 3 and the other said after 7 months.

It looks like it is removed few months from Experian before the 7 year period. Is that possible?

Also Can I dispute to remove the item from transunion and equifax based upon the fact that it was removed from experian?

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Don't mention Experian

I would be very careful mentioning Experian and the lack of a listing to the other 2 credit reporting agencies.  Two real options.

1.  You can do a general dispute with the CRAs if you haven't already, forcing the Equifax and TU to verify everything.  It's possible that the debt collector will not validate.

2.  What state are you in?  What is the Statute of Limitations for collecting debt?   In my state of CO, the SOL is 6 years to collect on a debt.  When I have disputed with the creditor directly, pointing out that their "alleged" debt is older than the SOL allows them to collect on, it tends to work.  They'll send a form letter still wanting to collect, but it will have a phrase somewhere at the bottom "...due to the age of the debt, we will not sue you or submit this to a credit reporting agency".   With that letter, you can make copies, highlighting that pertinent line, and submit to Equifax and TU along with a general dispute about the debt.  (This will only work if the debt is older than the SOL).

I hope that this helps you.

Reply by
Johnson54321

2 Contributions
4 People Helped

thank you fur your resposs  I  live in california.

Regrrs

Ahmed

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