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Contributor
Posts: 167
Registered: ‎07-13-2011
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they just keep comming off....... Finally

Hello everyone,

So my story is that back in 05' (I was young and dumb) I ran up debt on a total of 7 CC and in. November I lost my job and defaulted on all 7 of them. So fast forward to today, I have been working hard the last two and a half years to repair my credit. Finally bought a house and haven't been late in anything in over 4 years.

Everything was scheduled to be deleted for my repost mostly in November but I guess I'm somewhat lucky, almost all of the CO's and CA's (13 or so combided on each report) have all fallen off. Only 2 remain on TU, 1 on experian, and 1 on equifax.


Thanks everyone for all the help!!! Can't wait to apply for my wish list of CCs, BCP, Freedom, and US Bank Cash+.
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
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Regular Contributor
Posts: 104
Registered: ‎07-18-2011
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Re: they just keep comming off....... Finally

congrats!

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
Contributor
Posts: 167
Registered: ‎07-13-2011
0

Re: they just keep comming off....... Finally

This really makes me wonder something, maybe someone who knows can help answer this:

Who is in responsable of aging off accounts at the 7 year mark? I'm assuming the CRAs are?? The reason I ask is cause they have all been falling off at different time that don't necessarily go with the DOFD. I have some COs that still haven't fallen off TU but they are already gone from my other two and vice versa.
Fico Scores: TU 734 (08/12/2012) and EQ 716 (12/08/2012)

AMEX BCP $10,000 (opened 09/2012) - Citi TYP $6500 (opened 12/2012) Chase Freedom $1500 (opened 09/2012)

GMAC Mortgage $181,000 (opened 07/2011) - Car Loan $18,000 (opended 01/2011)
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