07-23-2009 07:50 AM
Ok I need a clarification on when my only negative falls off my credit report ( I was stupid in college). Here is what is listed on my Experian report.
120 days past due as of Jan 2004
90 days past due as of Dec 2003, Jun 2003, May 2003
60 days past due as of Nov 2003, Apr 2003
30 days past due as of Oct 2003, Mar 2003, Feb 2003
So my question is do I take 7.5 years from the first date I was late which was Feb 2003 meaning the lates would be removed around August 2010. Or do I take 7.5 years from the last late which was Jan 2004 meaning the lates would be removed around July 2011.
Sidenote: I know that Equifax is different than Transunion and Experian in determining when remove negatives off your credit report. And thanks ahead of time for your responses!
07-23-2009 08:13 AM
07-23-2009 08:28 AM
07-23-2009 09:42 AM
07-23-2009 11:36 AM
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.