CHARGE OFFS DROPPING OFF

[Anonymous]

Two c/o's on Equifax have fallen off as of TUESDAY 6/1/2017........the only derogs on my report. I now have a 100% clean EQ file, all current, no baddies. TU-EX will follow suit next month as well. How soon can I expect to see a change on my EQ score? I called EQ to confirm they have been removed and they have....exciting times for me. Anyone know the time frame that will show a score change on FICO 8?

[Anonymous]

If you pull an EQ score tomorrow it should reflect the removals.  I'd wait until next month when the other two fall off, wait a day or two, then do the CCT $1 free trial to confirm everything.

[Anonymous]

I can't speak to the time frame issue, but expect some nice score increases. Two medical collections were removed from my reports last week and I saw a 37 to 49 point increase respectively..

Good luck! 

[medicgrrl]

You can call TU and Ex and ask them to remove them now.

[Anonymous]

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@medicgrrl wrote:
You can call TU and Ex and ask them to remove them now.

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As Johnny Carson would say...."I DID NOT KNOW THAT".......So, beings that they are scheduled to fall off now, they (TU-EX) will remove them NOW....I will call them tomorrow

[medicgrrl]

TU will do it 6 months early and Ex 2-3 months early. Sometimes it takes a few phone calls but since you're only a few weeks away they'll probably do it. Some folks just dispute it online due to age and get them deleted that way.

[Anonymous]

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@medicgrrl wrote:
TU will do it 6 months early and Ex 2-3 months early. Sometimes it takes a few phone calls but since you're only a few weeks away they'll probably do it. Some folks just dispute it online due to age and get them deleted that way.

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THANK YOUUUUU

[AverageJoesCredit]

Congrats Meatman on your clean Equifax

[Anonymous]

YIPPIE...HOORAY------------------As of today, I am 100% derogatory free, NO BADDIES. Thanks for the info about calling TU-EX to delete c/o's early as they did..TODAY. 100% clean files. Thank you myFICO---ITS BEEN A WONDERFUL JOURNEY. This site has been a blessing. Now, I am excited to see how much my scores will improve. NO derogs, collections etc..all accts current..Credit limit at 90k----UTI @ 11%......current scores........TU 684-EX 660-EQ 654...............LETS SEE WHAT HAPPENS

[medicgrrl]

Congrats!!!!! I've got 1 clean file and have to wait about 9 more months for the next one.

I'm so glad it worked out for you!