topic Re: Unexpected Delinquency/Past Due Removal in Understanding FICO® Scoring

Unexpected Delinquency/Past Due Removal

ozzman469 — Mon, 15 May 2023 20:53:01 GMT

Just got a notification of a delinquency/past due removal from TU. It was an unexpected surprise as my oldest delinquency is from 2018 and was expecting it to fall off in 2025. It doesn't tell me which account it was unfortunatly, but I will be looking forward to when my June report comes out compare it.

Re: Unexpected Delinquency/Past Due Removal

coachbeau — Mon, 15 May 2023 21:27:57 GMT

I was going to write a post when I saw yours, looking for some thoughts. My TU dropped 9pts today for this same reason so I went back and looked to see what fell off. It was a for a car loan from 7 years ago, but the interesting fact is that when I looked back at my last couple of reports it wasn't reporting to TU and never had. The other two scores didn't change when it was removed. Curious if this has happened to anyone else.

Re: Unexpected Delinquency/Past Due Removal

GZG — Mon, 15 May 2023 21:53:38 GMT

@ozzman469 wrote:
Just got a notification of a delinquency/past due removal from TU. It was an unexpected surprise as my oldest delinquency is from 2018 and was expecting it to fall off in 2025. It doesn't tell me which account it was unfortunatly, but I will be looking forward to when my June report comes out compare it.

https://service.transunion.com/

you can get free daily TU credit reports directly from TU themselves

Re: Unexpected Delinquency/Past Due Removal

ozzman469 — Wed, 17 May 2023 15:12:37 GMT

Thanks, I'll have to check it out.

Re: Unexpected Delinquency/Past Due Removal

Aspireto850 — Sun, 24 Sep 2023 05:43:19 GMT

Nice!

I wish it would list the account. That's my biggest feedback for MyFICO