topic Re: CHARGE OFFS DROPPING OFF in General Credit Topics

CHARGE OFFS DROPPING OFF

Anonymous — Tue, 06 Jun 2017 14:14:30 GMT

Two c/o's on Equifax have fallen off as of TUESDAY 6/1/2017........the only derogs on my report. I now have a 100% clean EQ file, all current, no baddies. TU-EX will follow suit next month as well. How soon can I expect to see a change on my EQ score? I called EQ to confirm they have been removed and they have....exciting times for me. Anyone know the time frame that will show a score change on FICO 8?

Re: CHARGE OFFS DROPPING OFF

Anonymous — Tue, 06 Jun 2017 15:11:22 GMT

If you pull an EQ score tomorrow it should reflect the removals. I'd wait until next month when the other two fall off, wait a day or two, then do the CCT $1 free trial to confirm everything.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Tue, 06 Jun 2017 19:02:22 GMT

I can't speak to the time frame issue, but expect some nice score increases. Two medical collections were removed from my reports last week and I saw a 37 to 49 point increase respectively..

Good luck!

Re: CHARGE OFFS DROPPING OFF

medicgrrl — Tue, 06 Jun 2017 22:21:05 GMT

You can call TU and Ex and ask them to remove them now.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Tue, 06 Jun 2017 23:18:00 GMT

@medicgrrl wrote:
You can call TU and Ex and ask them to remove them now.

As Johnny Carson would say...."I DID NOT KNOW THAT".......So, beings that they are scheduled to fall off now, they (TU-EX) will remove them NOW....I will call them tomorrow

Re: CHARGE OFFS DROPPING OFF

medicgrrl — Wed, 07 Jun 2017 00:03:40 GMT

TU will do it 6 months early and Ex 2-3 months early. Sometimes it takes a few phone calls but since you're only a few weeks away they'll probably do it. Some folks just dispute it online due to age and get them deleted that way.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 07 Jun 2017 01:23:55 GMT

@medicgrrl wrote:
TU will do it 6 months early and Ex 2-3 months early. Sometimes it takes a few phone calls but since you're only a few weeks away they'll probably do it. Some folks just dispute it online due to age and get them deleted that way.

THANK YOUUUUU

Re: CHARGE OFFS DROPPING OFF

AverageJoesCredit — Wed, 07 Jun 2017 01:32:40 GMT

Congrats Meatman on your clean Equifax

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 07 Jun 2017 14:39:35 GMT

YIPPIE...HOORAY------------------As of today, I am 100% derogatory free, NO BADDIES. Thanks for the info about calling TU-EX to delete c/o's early as they did..TODAY. 100% clean files. Thank you myFICO---ITS BEEN A WONDERFUL JOURNEY. This site has been a blessing. Now, I am excited to see how much my scores will improve. NO derogs, collections etc..all accts current..Credit limit at 90k----UTI @ 11%......current scores........TU 684-EX 660-EQ 654...............LETS SEE WHAT HAPPENS

Re: CHARGE OFFS DROPPING OFF

medicgrrl — Wed, 07 Jun 2017 16:32:28 GMT

Congrats!!!!! I've got 1 clean file and have to wait about 9 more months for the next one.

I'm so glad it worked out for you!

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 07 Jun 2017 16:37:36 GMT

@medicgrrl wrote:
Congrats!!!!! I've got 1 clean file and have to wait about 9 more months for the next one.

I'm so glad it worked out for you!

Well, it was your post that prompted me to call them today and request early deletions.........they did with no problems. THANK YOU medicgrrl...I owe u 1

Re: CHARGE OFFS DROPPING OFF

Anonymous — Sun, 11 Jun 2017 16:24:54 GMT

Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You

Re: CHARGE OFFS DROPPING OFF

Revelate — Sun, 11 Jun 2017 22:20:46 GMT

@Anonymous wrote:
Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You

Immediately, but it's not a trigger for any of the MF services anyway, though TU may catch it with a "Your FICO Score increased" type of alert.

When you get the next balance report or another trigger the deletion will be reflected.

Alternatively pull a report or scores from somewhere. CCT the cheapest if you just care about FICO 8 anyway, though when my tax lien comes off from EX and EQ and I'm clean other than the usual suspects (inquiries, short credit history in various flavors, and installment utilization) and maybe a CFA, I'll be pulling the full 1B reports personally heh.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Mon, 12 Jun 2017 02:01:53 GMT

@Revelate wrote:
@Anonymous wrote:
Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You
Immediately, but it's not a trigger for any of the MF services anyway, though TU may catch it with a "Your FICO Score increased" type of alert.

When you get the next balance report or another trigger the deletion will be reflected.

Alternatively pull a report or scores from somewhere. CCT the cheapest if you just care about FICO 8 anyway, though when my tax lien comes off from EX and EQ and I'm clean other than the usual suspects (inquiries, short credit history in various flavors, and installment utilization) and maybe a CFA, I'll be pulling the full 1B reports personally heh.

I have had several updates, ie;...Balance changes...on Myfico, but no score changes..except for one reduction (8pts) on TU due to a increased balance of 135.00.

Re: CHARGE OFFS DROPPING OFF

Revelate — Mon, 12 Jun 2017 05:01:48 GMT

@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You
Immediately, but it's not a trigger for any of the MF services anyway, though TU may catch it with a "Your FICO Score increased" type of alert.

When you get the next balance report or another trigger the deletion will be reflected.

Alternatively pull a report or scores from somewhere. CCT the cheapest if you just care about FICO 8 anyway, though when my tax lien comes off from EX and EQ and I'm clean other than the usual suspects (inquiries, short credit history in various flavors, and installment utilization) and maybe a CFA, I'll be pulling the full 1B reports personally heh.
I have had several updates, ie;...Balance changes...on Myfico, but no score changes..except for one reduction (8pts) on TU due to a increased balance of 135.00.

Verify the report data, CK or similar is fine for that. What's your subscription on MF? If you have reason codes re: CO's check to see if they're still there on your next refresh.

What is the reason code for a CO anyway, missed payments? Also were those CO's paid or still with balance?

Re: CHARGE OFFS DROPPING OFF

Anonymous — Mon, 12 Jun 2017 05:22:04 GMT

@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You
Immediately, but it's not a trigger for any of the MF services anyway, though TU may catch it with a "Your FICO Score increased" type of alert.

When you get the next balance report or another trigger the deletion will be reflected.

Alternatively pull a report or scores from somewhere. CCT the cheapest if you just care about FICO 8 anyway, though when my tax lien comes off from EX and EQ and I'm clean other than the usual suspects (inquiries, short credit history in various flavors, and installment utilization) and maybe a CFA, I'll be pulling the full 1B reports personally heh.
I have had several updates, ie;...Balance changes...on Myfico, but no score changes..except for one reduction (8pts) on TU due to a increased balance of 135.00.
Verify the report data, CK or similar is fine for that. What's your subscription on MF? If you have reason codes re: CO's check to see if they're still there on your next refresh.

What is the reason code for a CO anyway, missed payments? Also were those CO's paid or still with balance?

CK reports removal from TU/EQ...NO score change there either. Yes, both C/O's had balances, they are 100% deleted.

Re: CHARGE OFFS DROPPING OFF

Revelate — Mon, 12 Jun 2017 15:32:14 GMT

@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
@Revelate wrote:
@Anonymous wrote:
Okie Dokie....How long does it ususally take for a score change due to derogs being deleted? These charge offs ALL came off as of Monday the 5th.....I was expecting a score change pretty quickly....Any one have any experience here with this scenerio....Please share some data. Thank You
Immediately, but it's not a trigger for any of the MF services anyway, though TU may catch it with a "Your FICO Score increased" type of alert.

When you get the next balance report or another trigger the deletion will be reflected.

Alternatively pull a report or scores from somewhere. CCT the cheapest if you just care about FICO 8 anyway, though when my tax lien comes off from EX and EQ and I'm clean other than the usual suspects (inquiries, short credit history in various flavors, and installment utilization) and maybe a CFA, I'll be pulling the full 1B reports personally heh.
I have had several updates, ie;...Balance changes...on Myfico, but no score changes..except for one reduction (8pts) on TU due to a increased balance of 135.00.
Verify the report data, CK or similar is fine for that. What's your subscription on MF? If you have reason codes re: CO's check to see if they're still there on your next refresh.

What is the reason code for a CO anyway, missed payments? Also were those CO's paid or still with balance?
CK reports removal from TU/EQ...NO score change there either. Yes, both C/O's had balances, they are 100% deleted.

Had you disputed them previously? Did you see a change on the other bureaus?

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 14 Jun 2017 18:07:07 GMT

Scores are updated once a month.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 14 Jun 2017 18:48:10 GMT

CK tends to ignore most ta liens and medical bcause they are a vantage score not a fico score. Get your real scores from cct.

Re: CHARGE OFFS DROPPING OFF

Anonymous — Wed, 14 Jun 2017 19:05:51 GMT

@Anonymous wrote:
CK tends to ignore most ta liens and medical bcause they are a vantage score not a fico score. Get your real scores from cct.

CCT? I thought myfico had real scores? What is cct?