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10-02-2012 12:41 PM
The 2 paid chargeoffs that I have with the same CU, (the one that is NOT responding to GW emails!) one from 2005 for $19.00 overdraft, (really?yeah,hmph) and the other from 2006. How bad are they affecting my report/score??
10-02-2012 05:35 PM
People on this forum have reported a 25 to 40 point bump to their scores when a 7 year old collection has aged off their reports. Of course YMMV.
10-02-2012 05:37 PM
THAT would be awesome. Though it does look like I still have quite a bit before they age off. And the CU is not responding to my GW efforts.
10-02-2012 05:41 PM
Are they the only baddies on your report?
Shouldn't the CO from 2005 be aging off soon?
10-02-2012 05:45 PM
They are definitely on life support. Should be aging off.
10-02-2012 06:03 PM
Other than the dispute with EX that is due results on the 12th, they are the only baddies on there. They are both paid. I would have thought at least the 2005 one would be gone, but it's still hanging on.
10-02-2012 07:44 PM
I beleive the longest it can stay on your report is 7.5 years from the date of first default. Is there a date specified on your report? You could then determine when it will age off.
10-03-2012 05:55 AM
+1 there should be an expected deletion date posted. That way you'd know when it would fall off.