Senior Contributor
Posts: 4,831
Registered: ‎04-20-2007
Re: Having trouble understanding when items will come off my credit report.

 


annab13 wrote:

Thanks for the information IT HELPED.

 

Can you also address this please?

 

I have three accounts that show late payments as of Dec and Jan 2002.  They are paid off in full and closed.  If I understand correctly they will come off in a few months if all goes well.  My current credit score is a 657.  How much will my score go up once these are removed?

 

I also have two accounts that I am not sure what to do with!  One shows unpaid balance charged off by creditor and I paid in collections and the other shows charge off and I paid through collections both are from the late 80's.  The stuff listed above is about the only thing hurting me according to myfico and I want to finally have a great credit score now that I am on track!

 

At this point I am writing a dispute...anything else I should do?

 

Thaks for the feedback and support!

 

Annab13


 

Many times the fall off dates will be listed on your "real" Experian credit report. You can get one online.