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baddies falling off

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Anonymous
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baddies falling off

I have alot of baddies falling off next yr, that are included in bk also, what im wondering if i should see a jump since those are falling off or maybe even lose points since i will be losing age on the accounts even tho there in bad standing. alot of them falling off were my first accounts opened. any insight?

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RobertEG
Legendary Contributor

Re: baddies falling off

Accounts dont "fall off" due to expiration of the CR exclusion period. 

Nothing is deleted from your credit file when the CR exlusion period has expired.  What "drops off" is the ability to the CRA to include the reporting of the item of information that has reached its exclusion date in any CR they issue after that date.  The derogatory item is "blocked" from CR inclusion, and thus is no longer included in your FICO scoring.  However, all other account information remains.

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