topic Comparing TU reports in General Credit Topics

Comparing TU reports

dman23 — Mon, 28 Apr 2014 20:50:12 GMT

Compared a TU report I had from 7/2/2013 and one I got 4/24/14.

I went from 5 adverse to 2 adverse accounts which was nice to see. 2 completely removed and 1 moved to Satisfactory, leaving the same 2 as adverse.

Going to try a Goodwill letter to the two OCs to see if I can get them removed. Thanks to these forums I learned about Goodwill letters. Will post results.

I see one satisfactory account that has Date Closed: 09/03/2004 & Date Paid 02/21/2005. (Paid in full) Why would this still be on my report? It's over 9 years?

Re: Comparing TU reports

Revelate — Mon, 28 Apr 2014 21:46:50 GMT

@dman23 wrote:
Compared a TU report I had from 7/2/2013 and one I got 4/24/14.
I went from 5 adverse to 2 adverse accounts which was nice to see. 2 completely removed and 1 moved to Satisfactory, leaving the same 2 as adverse.
Going to try a Goodwill letter to the two OCs to see if I can get them removed. Thanks to these forums I learned about Goodwill letters. Will post results.

I see one satisfactory account that has Date Closed: 09/03/2004 & Date Paid 02/21/2005. (Paid in full) Why would this still be on my report? It's over 9 years?

Typically positive information will stay on for 10 years as the guideline, and that may even be from DOLA rather than closure date (I don't specifically, hopefully Robert or others will chime in for my own edification) in which case you may get another near full year on it.

Re: Comparing TU reports

dman23 — Mon, 28 Apr 2014 22:36:18 GMT

@Revelate wrote:
@dman23 wrote:
Compared a TU report I had from 7/2/2013 and one I got 4/24/14.
I went from 5 adverse to 2 adverse accounts which was nice to see. 2 completely removed and 1 moved to Satisfactory, leaving the same 2 as adverse.
Going to try a Goodwill letter to the two OCs to see if I can get them removed. Thanks to these forums I learned about Goodwill letters. Will post results.

I see one satisfactory account that has Date Closed: 09/03/2004 & Date Paid 02/21/2005. (Paid in full) Why would this still be on my report? It's over 9 years?
Typically positive information will stay on for 10 years as the guideline, and that may even be from DOLA rather than closure date (I don't specifically, hopefully Robert or others will chime in for my own edification) in which case you may get another near full year on it.

Thank you again Revelate.