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Woohoo! 8 baddies gone in 2 months!

Valued Contributor

Woohoo! 8 baddies gone in 2 months!

Gotta love aging off! Smiley LOL

 

In October 2012, I had 14 negative accounts reporting on my Experian credit report. 3 of them fell off in November and another 5 fell off this month! 

My previous total debt showed $54,961 and today it shows $3,874. 

10 REPLIES
Established Member

Re: Woohoo! 8 baddies gone in 2 months!

I'm hoping to settle my accounts and for the people that just wont budge or settle I look forward to them aging off. 

Frequent Contributor

Re: Woohoo! 8 baddies gone in 2 months!

HOORAY!


That is great!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Moderator Emeritus

Re: Woohoo! 8 baddies gone in 2 months!

If not paid, watch out for zombie debts to still appear.  Just because they fell off your CR doesn't mean that the debt is gone.  Also, with zombie debts, sometimes the CAs are a bit more of the bottom feeder variety.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Woohoo! 8 baddies gone in 2 months!

Thanks Shogun. When you say "Watch out for" do you mean watch out so they don't pop back up on the credit report or watch out for possible lawsuits?

Moderator Emeritus

Re: Woohoo! 8 baddies gone in 2 months!

Either, or.  It's probably outside of the SOL, it depends on your state.  And it will be outside the CRTP, but the "bottom feeders" as I like to call them, really don't care.  They don't necessarily try to play by the rules.  They're the ones that call and threaten to take you to jail, seize your house, etc.  It's just the low life tactics some of them use.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Woohoo! 8 baddies gone in 2 months!

I'll keep an eye out. The ones that still showed a balance before dropping off were...

 

LVNV Funding

Asset Acceptance

Midland Credit Management

Midland Funding

 

Are they normally some of the "bottom feeders" or are they more likely to resell the debt to some lesser known junk debt buyers who don't really care about following the rules?

Moderator Emeritus

Re: Woohoo! 8 baddies gone in 2 months!

Most like those will resell to CAs that are lower on the food chain.  Just stay on top of everything.  

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Frequent Contributor

Re: Woohoo! 8 baddies gone in 2 months!

What was the DOFD for those baddies you had mate. Were they only reporting to experian? I have old medical debt from 06 07 justablet wondering the time table

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Valued Contributor

Re: Woohoo! 8 baddies gone in 2 months!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15