07-04-2012 11:28 AM
07-04-2012 11:48 AM
Thats sounds fantastic! I have never experienced anything like that with about 30 tradelines on TU. If I noticed that everytime I added a new account, a closed derogatory account was removed (as if there is some kind of max for amount of tradelines on TU), I would start applying for new credit like crazy.
07-04-2012 11:59 AM
07-04-2012 12:02 PM
07-04-2012 12:07 PM
The bancruptcy might not be included with the tradeline max that there seems to be on TU, but you might as well try since you are in a perfect postition to test it.
07-04-2012 12:46 PM
07-04-2012 01:11 PM
I have not heard of CRAs deleting, on their own volition, accounts that are less than 7 years from closing date. Their 10 year informal policy from closing date is based on retaining accounts that may still have CR exclusion period derogs remaining, all of which are at least 7 years.
I would suspect that the creditors have most likely reported deletion rather than the CRAs doing administrative deletions.
Creditors have reason to delete.... it eliminates any hassle on derogatory accounts, as no disputes can thereafter be directed to non-reported information.
But just my speculation.... have you contacted them and determined if the creditors reported the deletions?
07-04-2012 01:15 PM
07-04-2012 01:34 PM
Are you positive they are deleted? They may just be not showing on the report (maybe a limitation of the report format). Where are you getting the report from?
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.