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Regular Contributor
Posts: 162
Registered: ‎03-30-2008
0

Final baddie falling off!

Good morning all!

 

A major baddie (collection) is set to fall off all 3 of my CRs in the next month. For two of these reports (EX & EQ) this will be my last derog to fall off. TU still has a single 90-day late reporting for March 2005 for a student loan (long story...I'll just say I'm okay with how it is reporting).

 

The collection just fell off my EX report today (CCT). Unfortunately, I can't pull my EX FICO. My PLUS FAKO (which I know means zip in regards to my FICO) jumped from 678 - 782. I hope my FICO has done something similar.

 

I can't wait to see what happens when this collection falls off TU & EQ (TU reports it will fall off 7/2010, EQ shows DOFD as 8/2003). It's Midland, and they update the balance frequently, so it looks current.

 

I just want to thank everyone who has given great advice & comments while I have been going through my credit repair journey. I started it in August 2009 with 3 major derogs on EQ and 6 on EX & TU (not including the student loan late). Through DVs/PFDs, vacating a judgement, settlement, the HIPAA process, & time, I will soon have two squeaky clean reports!

 

TU: 599 (8/2009) - 704 (6/2010)

EQ: 656 (8/2009) - 687 (6/2010) (2 out of 4 CCs showing a small balance)

EX (PLUS FAKO): 595 (9/2009) - 782 (6/2010)

 

Thanks! 

 

Hard work & patience can go a long way!
8/2009 (myFICO): TU - 599, EQ - 656
7/23/2010 (LO pull): TU - 738, EQ - 801, EX - 785
4/12/2012 (myFICO): TU -778, EQ - 791
Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Final baddie falling off!

Congrats!  I hope to be where you are soon, although I expect it's years away....

Could you tell me what the "remain on file until" date was on EX?  I've got something that says it should "remain on file until June 2010" on my EX report, and I'm wondering when I can expect it to actually fall off.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Regular Contributor
Posts: 162
Registered: ‎03-30-2008
0

Re: Final baddie falling off!

Actually, that is the weird part. Initially, the remain on file date was May 2010. I was in the midst of doing the HIPAA process & pulled another report in May & saw the date had been updated to June 2010. I didn't have records & I saw that it was slated to report until July on my other 2 CRs, so I wasn't too concerned. I was wondering if the date was going to change again to July 2010, but it dropped off today.

 

I think that Experian usually reports a baddie until the end of the month, so I would suspect it should drop off today. If it hasn't dropped by the first week of July, you may want to pull a report directly from EX to see if the date has changed.

 

Is the baddie reporting only on EX or on your other reports as well? What are the fall off or DOFD on those reports?

Hard work & patience can go a long way!
8/2009 (myFICO): TU - 599, EQ - 656
7/23/2010 (LO pull): TU - 738, EQ - 801, EX - 785
4/12/2012 (myFICO): TU -778, EQ - 791
Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Final baddie falling off!

It's gone from EQ (They had a DoFD of September 03) and TU says due to fall off 08/10.  I really want this gone in the next two weeks, though.  Just hopin'.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Regular Contributor
Posts: 162
Registered: ‎03-30-2008
0

Re: Final baddie falling off!

OMG! OMG! OMG! OMG!

 

I pulled my three reports from CCT & saw that the collection had dropped from my EQ report today. I pulled my score and...somebody pinch me...

 

My EQ score has gone from 687 to 801!!!!!!!!!!!!!!!

 

Yes, you are reading that right...my score went up 114 points overnight! I am officially blown away!!!!

 

It just goes to show that with hard work, perseverance, & patience, ANYONE can do this.  Woot!

 

Thanks again everyone!!!

Hard work & patience can go a long way!
8/2009 (myFICO): TU - 599, EQ - 656
7/23/2010 (LO pull): TU - 738, EQ - 801, EX - 785
4/12/2012 (myFICO): TU -778, EQ - 791
Member
Posts: 18
Registered: ‎06-25-2010
0

Re: Final baddie falling off!

That it AWESOMEE!  And great news for the rest of us...thanks for taking the time to share your journey. Very informative!

EX-524 to 670-693 (FACO)
Tu-524 to 593-627
EQ-513 to 593-605
Peaking at 725 for now!
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Final baddie falling off!

Whoa!!!!!!!!! Nice!!!!!!!!!!

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Member
Posts: 19
Registered: ‎06-16-2010
0

Re: Final baddie falling off!

That is amazing!!!! Congratulations!!!!

Valued Contributor
Posts: 2,487
Registered: ‎02-18-2010
0

Re: Final baddie falling off!

Wow.  Just wow.  Is that the FAKO from CCT, or did you see the thing drop off and check elsewhere for the FICO jump?


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Regular Contributor
Posts: 162
Registered: ‎03-30-2008
0

Re: Final baddie falling off!

The EX jump from 678 to 782 was a FAKO, but the EQ jump from 687 (pulled on 6/23) to 801 were FICO scores (both pulled from this site).

 

Thanks!

Hard work & patience can go a long way!
8/2009 (myFICO): TU - 599, EQ - 656
7/23/2010 (LO pull): TU - 738, EQ - 801, EX - 785
4/12/2012 (myFICO): TU -778, EQ - 791

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