Why do some accounts get removed quickly while others take a long time?

Why do some accounts get removed quickly while others take a long time?

Unfortunately, this process is not certain. It's not guaranteed. 

There's no way to "force" the bureaus, creditors or collection agencies to do anything (or anyone else for that matter). This is why I call them "rounds", as in "dispute rounds". It is literally a battle between me and them, with my intention to remove the info and theirs to keep it!

Here is a real-life example: 

Husband and wife hold joint credit card accounts. Same exact data reported on both credit files. 
Both credit files are being disputed using factual-based disputes. 
Both had their disputes sent out at the same time. 

The husband received credit card charge-off deletions in 60 days. The wife did not receive any deletions of any kind until the 4th round of disputes. 
At 90 days, the husband had another 3 accounts removed and a late payment. The wife received only 1 more deletion on the next round (180 days). 

This means that the results for the husband were 2 in 60 days and 3 in 90 days. The wife had 4 deletions in 120 days and 1 in 180 days. 

Why does this happen? 
Just as there are billions of people on this planet, there are just as many different possibilities for their credit files. Even twins can be substantially different! 

Each credit file is disputed separately. Each dispute letter is received and disputed independently. This means that their eOscar system may have interpreted their dispute as 1 2-digit code, while the other was disputed with a different 2-digit code. That would change the outcome substantially just because of this. It may also be that 1 person's disputed items may have been done with a person, while the other is with eOscar, or that they went to different departments or other factors. 

So, while 2 people may have the exact same data on their credit report, they can end up with completely different results. 

Now, if we look at 2 completely different credit files with different information, it would make sense that while some people receive deletions quickly, others would need more time, correct? 

Other factors: 
Each negative item type has its own avg. length of time for removal and this needs to be taken into account as well: 

medical, judgements and liens: 30-90 days
inquiries: 120 days
late payments (old): 120 days
late payments (new): 180 days
bankruptcy: 6 months+
student loans: 6 months+
charge-offs: 6-9 months
collections 3rd party: 90 days
collections debt buyer: 180 days
repos: 6-9 months


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