Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 11:28 AM
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 11:48 AM
Thats sounds fantastic! I have never experienced anything like that with about 30 tradelines on TU. If I noticed that everytime I added a new account, a closed derogatory account was removed (as if there is some kind of max for amount of tradelines on TU), I would start applying for new credit like crazy.
FICO Scores: EQ:702 TU:696 EX:702
Gripping a Gloriously Gold Spade!
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 11:59 AM
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 12:07 PM
The bancruptcy might not be included with the tradeline max that there seems to be on TU, but you might as well try since you are in a perfect postition to test it.
FICO Scores: EQ:702 TU:696 EX:702
Gripping a Gloriously Gold Spade!
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 12:46 PM
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 01:11 PM
I have not heard of CRAs deleting, on their own volition, accounts that are less than 7 years from closing date. Their 10 year informal policy from closing date is based on retaining accounts that may still have CR exclusion period derogs remaining, all of which are at least 7 years.
I would suspect that the creditors have most likely reported deletion rather than the CRAs doing administrative deletions.
Creditors have reason to delete.... it eliminates any hassle on derogatory accounts, as no disputes can thereafter be directed to non-reported information.
But just my speculation.... have you contacted them and determined if the creditors reported the deletions?
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 01:15 PM
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Re: Tu keeps deleting derogatory accounts when new tl are added
07-04-2012 01:34 PM
Are you positive they are deleted? They may just be not showing on the report (maybe a limitation of the report format). Where are you getting the report from?
Starting Score: EQ 603 (12/18/2011), TU 621 (10/01/11)
Current Score (7/14/12): EQ 630, TU 691, EX 670 (bank pull)
Goal: 730+ by August 2014
Wallet: NFCU Visa (10k), USAA Secured MC (5k), American Airlines CC (2k), US Airways MC (1.5k), Discover More (1k), Macy's (600), Cap One (500), and Kohl's (400).
Garden planted. Working on the weeds.
