Credit Cards Center Credit cards from our partners
New Member
Posts: 7
Registered: ‎01-15-2012

Re: I need a mentor!!! Please help!!!

Ohh I see what you are saying because this report really confuses me!!! I have to understand what is going on before I decide my courses of action.

Epic Contributor
Posts: 22,512
Registered: ‎03-19-2007

Re: I need a mentor!!! Please help!!!

[ Edited ]

Then what I suggest is to make one simple list, by delinquencies and derogs, not by accounts


Type of Delinquency        Date          if a CO or CA, the DOFD on the OC acount.     Exlcusion date


30-late                         1/2004                                                                                         1/2011

60-late                         2/2004                                                                                          2/2011

Charge-off                                                             5/2006                                                11/2013                                                             

Collection                                                              3/2007                                                9/2014


Removal, or as I prefer to call them, credit report exclusion dates, apply to individual items.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.