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Regular Contributor
Posts: 244
Registered: ‎12-31-2012
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Can I get this removed from my report due to the date?

I know it doesn't have an amount but does the 120+ late payment hurt my score?

 
Balance $0
 
 

Starting Score: 529
Current Score: EQF 643, TU 677 EXP 631,Lender Pulled Aug 2, 2013 EX 665, TU 664 and EQF 643
Goal Score: 701



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Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: Can I get this removed from my report due to the date?

That TL should of been deleted by now....if its a unpaid debt it stays in your file until paid. 

Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: Can I get this removed from my report due to the date?

Actually that just shows the date open.  We would need to know the DOFD.  It could have been opened in 2000 but the DOFD could have been in, say..  2010.  Then it would be within the CRTP.  We need more information.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
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Re: Can I get this removed from my report due to the date?

Good catch Shogun!!!! I need new glasses 

Moderator
Posts: 4,189
Registered: ‎03-24-2008
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Re: Can I get this removed from my report due to the date?

A debt with a CA (collection agency) drops off your CR (credit report), 7.5 years from the DoFD (date of first default), paid or unpaid.

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Regular Contributor
Posts: 244
Registered: ‎12-31-2012
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Re: Can I get this removed from my report due to the date?


Shogun wrote:

Actually that just shows the date open.  We would need to know the DOFD.  It could have been opened in 2000 but the DOFD could have been in, say..  2010.  Then it would be within the CRTP.  We need more information.


There is nothing else from this lender. There is another entry for AES and  the DOFD is June 2007 but listed as current closed (I'm assuming that happened when I consolidated my loans).  The rest of my student loans are through ACS and Great Lakes. 


Starting Score: 529
Current Score: EQF 643, TU 677 EXP 631,Lender Pulled Aug 2, 2013 EX 665, TU 664 and EQF 643
Goal Score: 701



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Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Can I get this removed from my report due to the date?

Just looking at what you posted, it wasn't CO'd or sent to collections.  Do you know if it was?  Is it supposed to be closed?

Established Member
Posts: 49
Registered: ‎02-27-2013
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Re: Can I get this removed from my report due to the date?

Please explain, I thought an old debt would fall off after 7 years from DOFD even if unpaid?

 


Are you referring to the clause about applying for jobs that pay more than 75K or homes for more than 150K?

 

I wonder about this because I recently applied for a mortgage and they mortgage broker showed me my credit report.  I didn't see any old unpaid debts on it.  I had old unpaid debts from 10-15 years ago.


2/2011:
EFX Beacon 5.0 - 540, XPN FICO II - 619, TUC Classic 04 -
605

CURRENT SCORES (3/13): EFX Beacon 5.0 - 588, EXP FAIR ISAAC 627, TU FICO 658

GOAL: 700

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: Can I get this removed from my report due to the date?


LavendarL wrote:

Please explain, I thought an old debt would fall off after 7 years from DOFD even if unpaid?

 


Are you referring to the clause about applying for jobs that pay more than 75K or homes for more than 150K?

 

I wonder about this because I recently applied for a mortgage and they mortgage broker showed me my credit report.  I didn't see any old unpaid debts on it.  I had old unpaid debts from 10-15 years ago.


CO's or collections are excluded 7.5 years from the DoFD, paid or unpaid.

 

When a broker/lender/creditor asks to see your entire credit file, under those circumstances, they can.  Most do not use that allowance though.

Established Member
Posts: 49
Registered: ‎02-27-2013
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Re: Can I get this removed from my report due to the date?

<quote.CO's or collections are excluded 7.5 years from the DoFD, paid or unpaid.

 

When a broker/lender/creditor asks to see your entire credit file, under those circumstances, they can.  Most do not use that allowance though.

 

How can I get a copy of my full credit file, so I can see what old debts may still be on there that I cannot see on my regular report?


2/2011:
EFX Beacon 5.0 - 540, XPN FICO II - 619, TUC Classic 04 -
605

CURRENT SCORES (3/13): EFX Beacon 5.0 - 588, EXP FAIR ISAAC 627, TU FICO 658

GOAL: 700

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