Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 257
Registered: ‎01-02-2010

7 Negative Account Help

[ Edited ]

experian has 4 Negative  Account And transunion has 1 and equifax has 2 i am trying to understand why those negative account has not fall off experian and equifax yet any idea any one ?

Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009

Re: 7 Negative Account Help


911gt34life wrote:

experian has 4 Negative  Account And transunion has 1 and equifax has 2 i am trying to understand why those negative account has not fall off experian and equifax yet any idea any one ?


You're going to need to give more information than this.


What kind of negatives are you talking about?


Why do you expect them to be gone? Did you send GW's? PFD's? Is the CRTP expired?


Did you originally have seven negatives on all three CRA's?



From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

Community Leader
Epic Contributor
Posts: 29,238
Registered: ‎03-19-2007

Re: 7 Negative Account Help

[ Edited ]

When you refer to a "negative account," what FICO is really concerned with are the specific negatives on each account, not the general status of the account itself as being "negative."


For each orignal creditor (OC) account, what are the individual delinquencies/derogs posted?

Date of each 30-day late (remains for 7 years from its date of occirance, not date of account data)

Date of each 60-day late, etc.  (remains for 7 years from its date of occirance, not date of account data)

Date of any charge-off reported by the OC (and, more importantly,  the DOFD that led to the CO)


For each collection posted:

The date of first default (DOFD) on the OC account that led up to the collection activity.


Accounts dont fall from credit reporting.  Indiv derogs fall, each with their own date of death.


Take, for example, the 4 negative acounts posted to EXP

Each could have 2-4 monthly lates with the OC, then a CO, then a CA.

That couild be up to 20 negative postings in the CR, each ranging in its severity.

Frequent Contributor
Posts: 257
Registered: ‎01-02-2010

Re: 7 Negative Account Help COLLECTION experian

i don't know why chase still on experian report  if drop off 2 other tu and eq and i don't know why best buy drop off experian and tu but not eq and last bank of american drop off Eq and tu i have no idea what going on here.



Account charged off. $894 written off.
This account is scheduled to continue on record until Feb 2012.
Charge Off as of Jul 2006, Oct 2005

Charge Off as of Oct 2005
Closed. $730 written off.
Purchased by another lender.

Closed. $962 written off.
Charge Off as of Sep 2005 to Jul 2007
Purchased by another lender




Date of First Delinquency 05/2006  




arrow financial is co for bank of american and i did call them but they refuse to remove co from my credit report.



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.