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I have several older accounts IIB that help with my AAoA but contain inaccuracies. I disputed one and got a delete but it dropped my TU three points. The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge). Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?
That's a personal choice and is really up to you. It comes down to whether the point dropped hurts more now or if you can wait until they drop off.
@Anonymous wrote:I have several older accounts IIB that help with my AAoA but contain inaccuracies. I disputed one and got a delete but it dropped my TU three points. The other accounts are 7 - 10 yrs olds and will drop in 2019 (about the same time as my discharge). Should I continue scrubbing my reports (and forget the temporary point losses) as my discharge approaches?
I would say it depends on whether you anticipate having any major credit needs coming up before the BK drops. Are you wanting to purchase a house? Will you be needing to replace your car? If so, leave them on there for the points you are getting from them.
Thanks!! I couldn’t determine if I’ d get a better bump from removing them.
Yeah!! I guess I’ll leave them alone.
Hi Pizza. What is AHOA, please?
I think they meant AoOA, Age of Oldest Account.
@CH-7-Mission-Accomplished wrote:Hi Pizza. What is AHOA, please?
Helpful list of common abbreviations: http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458