I have a paid Cap 1 Charge off that falls off in June of 2013. Is there anyway I can get this off sooner and does it affect my score that much since its so old?
Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
You could try to GW it. A CO will affect your score until it's off.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I was able to call Cap 1 and get the baddie removed. I used the first phone number listed under the "backdoor phone number" section on this forum. I had to call three times, but the third person I talked to was very helpful and removed it promptly.
Good luck
Starting Score: 583 EQ, 612 EX, 569 TU