Equifax

[Anonymous]

I read on here that Equifax removes neg accts 1 month early on the 1st of the month. I have a midland (capital one) account due to be removed on 9/2015. I contacted them yesterday to see if the account was still showing up on my file and the rep stated it was no longer there. I have yet to receive an alert by myfico/creditkarma that it has been removed. I really want to apply for a discover it card, but felt that night account was holding me back and would lead me to get denied. Do you think I should go ahead an apply for it?

[Imperfectfuture]

I think you should order your report first.

[crrredit]

MyFICO doesn't send alerts when something drops off, so your conversation with Equifax is more up-to-date. If you want to see it in writing you'll have to get a new credit report. If you use CreditKarma, you can see an updated Equifax and TU report once a week for free. 

[Anonymous]

I bit the bullet & was approved with a 3.5k CL. 0%APR for 12 months and 22.99% after that & double cash back 1st year offer ^.^

[crrredit]

Congrats!

[J91605]

Wow that great! Congrats!

[Anonymous]

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@Anonymous wrote:

I bit the bullet & was approved with a 3.5k CL. 0%APR for 12 months and 22.99% after that & double cash back 1st year offer ^.^

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Congrats!

Maybe that will force an update aand you'll get alerts about it andthe drop off.

GL