Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008
Re: Credit Seminar - Interesting Information and Question(s)

While I can't say for 100% certain if that's true or not, I can say this.  Derogatory info does fall off of your REPORTS after approx 7 years (with some exceptions).  But all of that information is still contained within your credit FILE if I'm not mistaken.  Meaning when formulating a score such as one of the enhanced scores, it may very well take into consideration those older items still on your FILE.  Very interesting information.  This kind of sounds like a RobertEG kind of question. 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
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