My TU report says that my Dell account that I took a settlement on in 03/2007 is due to come off my credit report in 11/2009.
This might be a mistake because my DOFD was in 03/2005.
When will I see the change? Begining of the month? End of the month?
I am crossing my fingers that this will come off!!!
If it does come off how significant will be my score jump??
@Elizabethd1012 wrote:My TU report says that my Dell account that I took a settlement on in 03/2007 is due to come off my credit report in 11/2009.
This might be a mistake because my DOFD was in 03/2005.
When will I see the change? Begining of the month? End of the month?
I am crossing my fingers that this will come off!!!
If it does come off how significant will be my score jump??
If TU is saying it's dropping in Nov...believe it!! It might take until just past Nov.maybe not. I had a 6yo acct that dropped early in July. I got 15 pts!
Just keep checking but don't stir up trouble. TU is my favorite for getting rid of the baddies!!
If TU is saying it's dropping in Nov...believe it!!
That's been my experience also. It will be gone when it's listed to disappear. But keep checking to make sure. 
If TU will really drop when they list then OMG my credit will be almost perfect by 01/2010!!!!! 
All my baddies are due to come off TU by 01/2010!!!
That's going to be super weird! My TU score will be like 100 points better than all others!!!!
I have great news!!!!
TU keeps its word!!!!
Two of my baddies that weren't due to drop off but TU said on the report that it would drop in 11/2009 actually came off!
I am thrilled!!!!!!!!!!!!!!!!!!!!!!!!
The last baddie and collection on TU is due to come off next month according to them!
I am so excited!
The only bad thing is that my score didn't go up not even one point and two baddies came off!!!!!!!!!!!!!!!!!!!!! 
Actually I will have two baddies left on TU. One will come off 12/2009 and the other 6/2012.
Too bad this is the case only on TU.
Does anyone know of any companies that use solely TU?
By "baddies", do you mean lates or collections??
What is still there? If, for example, one "late" & one collection both just dropped off, but you still have one of each left to go...You'll see the big jump when those drop. Especially if one is a collection & it's listed UNDER collections.
I got a 29 pt jump when an actual collection came off TU. It was almost 7 yrs old too!
@Elizabethd1012 wrote:Does anyone know of any companies that use solely TU?
Do you mean a CCC that only checks TU?
By baddies I mean account that were charged off. I didn't have a collection agency listed so that's why I probably didn't see the score jump.
The big one that I have left is NCO (OC was BoA). It is due to come off in December but only off of TU. It was for 5000 and now it is at 8K. I am hoping that helps my score when it comes off.
And yes i mean companies that only use TU because I think that's the only way I can get approved for anything once my final bad thing comes off.
Although, I will have two accounts that were bad but they are paid and say settled so hopefully they won't affect as much. There is no actual collection item for none of my accounts except NCO.