topic Re: Final baddie falling off! in Rebuilding Your Credit

Final baddie falling off!

Anonymous — Wed, 30 Jun 2010 16:58:02 GMT

Good morning all!

A major baddie (collection) is set to fall off all 3 of my CRs in the next month. For two of these reports (EX & EQ) this will be my last derog to fall off. TU still has a single 90-day late reporting for March 2005 for a student loan (long story...I'll just say I'm okay with how it is reporting).

The collection just fell off my EX report today (CCT). Unfortunately, I can't pull my EX FICO. My PLUS FAKO (which I know means zip in regards to my FICO) jumped from 678 - 782. I hope my FICO has done something similar.

I can't wait to see what happens when this collection falls off TU & EQ (TU reports it will fall off 7/2010, EQ shows DOFD as 8/2003). It's Midland, and they update the balance frequently, so it looks current.

I just want to thank everyone who has given great advice & comments while I have been going through my credit repair journey. I started it in August 2009 with 3 major derogs on EQ and 6 on EX & TU (not including the student loan late). Through DVs/PFDs, vacating a judgement, settlement, the HIPAA process, & time, I will soon have two squeaky clean reports!

TU: 599 (8/2009) - 704 (6/2010)

EQ: 656 (8/2009) - 687 (6/2010) (2 out of 4 CCs showing a small balance)

EX (PLUS FAKO): 595 (9/2009) - 782 (6/2010)

Thanks!

Re: Final baddie falling off!

Anonymous — Wed, 30 Jun 2010 19:01:50 GMT

Congrats! I hope to be where you are soon, although I expect it's years away....

Could you tell me what the "remain on file until" date was on EX? I've got something that says it should "remain on file until June 2010" on my EX report, and I'm wondering when I can expect it to actually fall off.

Re: Final baddie falling off!

Anonymous — Wed, 30 Jun 2010 20:08:29 GMT

Actually, that is the weird part. Initially, the remain on file date was May 2010. I was in the midst of doing the HIPAA process & pulled another report in May & saw the date had been updated to June 2010. I didn't have records & I saw that it was slated to report until July on my other 2 CRs, so I wasn't too concerned. I was wondering if the date was going to change again to July 2010, but it dropped off today.

I think that Experian usually reports a baddie until the end of the month, so I would suspect it should drop off today. If it hasn't dropped by the first week of July, you may want to pull a report directly from EX to see if the date has changed.

Is the baddie reporting only on EX or on your other reports as well? What are the fall off or DOFD on those reports?

Re: Final baddie falling off!

Anonymous — Wed, 30 Jun 2010 20:10:17 GMT

It's gone from EQ (They had a DoFD of September 03) and TU says due to fall off 08/10. I really want this gone in the next two weeks, though. Just hopin'.

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 12:03:32 GMT

OMG! OMG! OMG! OMG!

I pulled my three reports from CCT & saw that the collection had dropped from my EQ report today. I pulled my score and...somebody pinch me...

My EQ score has gone from 687 to 801!!!!!!!!!!!!!!!

Yes, you are reading that right...my score went up 114 points overnight! I am officially blown away!!!!

It just goes to show that with hard work, perseverance, & patience, ANYONE can do this. Woot!

Thanks again everyone!!!

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 13:19:10 GMT

That it AWESOMEE! And great news for the rest of us...thanks for taking the time to share your journey. Very informative!

Re: Final baddie falling off!

fused — Thu, 01 Jul 2010 17:15:05 GMT

Whoa!!!!!!!!! Nice!!!!!!!!!!

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 18:03:27 GMT

That is amazing!!!! Congratulations!!!!

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 19:26:43 GMT

Wow. Just wow. Is that the FAKO from CCT, or did you see the thing drop off and check elsewhere for the FICO jump?

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 20:27:26 GMT

The EX jump from 678 to 782 was a FAKO, but the EQ jump from 687 (pulled on 6/23) to 801 were FICO scores (both pulled from this site).

Thanks!

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 20:36:08 GMT

Wow. You must be so psyched! I imagine you're walking on air today!

Re: Final baddie falling off!

Anonymous — Thu, 01 Jul 2010 20:42:31 GMT

Yeah...it's kinda funny. I was just trying to get my EQ score into the 700 club. I didn't expect to skip it altogether!

Of course, I'm sure that I'll sneeze or something & it'll drop below 800...but I'm enjoying it for now!

Good luck!

Re: Final baddie falling off!

llecs — Fri, 02 Jul 2010 00:23:34 GMT

Awesome!

Re: Final baddie falling off!

Anonymous — Sun, 11 Jul 2010 13:08:07 GMT

Just to update, my last collection fell off my TU report (with just the 90 day late on my student loan from 2005 remaining on my report). My TU score jumped from 704 to 741 (woot!)

Thanks again everyone!!!

Re: Final baddie falling off!

Anonymous — Tue, 24 Aug 2010 11:44:42 GMT

Congratulations to you also!! I know how hard it is to keep these records clean and accurate. I am also looking forward to chargeoffs dropping off my CR in the next month or two. I am in the mid 600's now, but hope to join the 700 club when they fall off. I am really stoked for you that you jumped into the GASP 800 CLUB! Hooray for you and thanks so much for sharing this with us.

I celebrate with you and hope to be posting my own story soon.

Re: Final baddie falling off!

Lin-Duh — Fri, 05 Nov 2010 16:22:50 GMT

Congrats!!

I have a question. When you refer to "baddies" does that mean with balance or without balance? See, I have one that says it will remain on file till Nov 2010 but with a balance. Shoud I pay that or just let it fall off? Will it fall out of my credit report without paying? Please advise.

Thanks!!!

Linda

Re: Final baddie falling off!

Anonymous — Fri, 05 Nov 2010 17:03:25 GMT

Linda is it a CA account, closed account, what are the circumstances?