topic Re: EQ Drop Off information in Rebuilding Your Credit

EQ Drop Off information

Red1Blue — Wed, 09 Mar 2022 21:00:35 GMT

I was told by everyone on this forum to stay away from EQ for EE and Requests to delete old information. Right now I have 3 accounts reported as 30 day late July 2015. Assuming they are DOFD when can I expect EQ removing them from my report. These 3 items are aleady removed from EX and TU. Hoping these last 3 will drop off from EQ soon. Any suggestions.

Re: EQ Drop Off information

tortoise_credit — Wed, 09 Mar 2022 21:18:06 GMT

I had a string of lates from April-June 2015 and each on dropped off EQ on the first of the month 6.75 years later.

So based on my recent experience, it should drop off for you on April 1st.

Re: EQ Drop Off information

tortoise_credit — Wed, 09 Mar 2022 21:22:32 GMT

Just as a more concrete DP, here's the exact timeline:

30 day late April 2015 -> dropped Jan 1 2022

60 day late May 2015 -> dropped Feb 1 2022

90 day late June 2015 -> dropped Mar 1 2022

Re: EQ Drop Off information

Red1Blue — Wed, 09 Mar 2022 21:40:30 GMT

@tortoise_credit wrote:
I had a string of lates from April-June 2015 and each on dropped off EQ on the first of the month 6.75 years later.

So based on my recent experience, it should drop off for you on April 1st.

Thanks @tortoise_credit for your input. Hoping they will drop off soon.

Re: EQ Drop Off information

tortoise_credit — Wed, 09 Mar 2022 21:44:00 GMT

These are your last lates, too!? This must be exciting!

Re: EQ Drop Off information

Red1Blue — Wed, 09 Mar 2022 21:48:20 GMT

@tortoise_credit wrote:
These are your last lates, too!? This must be exciting!

Hi @tortoise_credit Thanks for the information. Trying to understand. In my case the DOFD is July 2015 and they moved on to become CO. As you suggested would the CO will be removed in April 2022 or just 30 days lates will be removed and progress to 60 and 90 and then CO removal?

Re: EQ Drop Off information

tortoise_credit — Wed, 09 Mar 2022 21:50:39 GMT

@Red1Blue wrote:
@tortoise_credit wrote:
These are your last lates, too!? This must be exciting!
Hi @tortoise_credit Thanks for the information. Trying to understand. In my case the DOFD is July 2015 and they moved on to become CO. As you suggested would the CO will be removed in April 2022 or just 30 days lates will be removed and progress to 60 and 90 and then CO removal?

Copying from the response to your PM:

My 30/60/90 fell off from EQ one by one, but I wasn't charged off. I think in your case they should all fall off at once, but I don't know if the same timeline happens for CO vs just the lates in my case. Let us know and I hope it does happen April 1 for you!

Re: EQ Drop Off information

Red1Blue — Wed, 09 Mar 2022 22:12:47 GMT

@tortoise_credit wrote:
Copying from the response to your PM:

My 30/60/90 fell off from EQ one by one, but I wasn't charged off. I think in your case they should all fall off at once, but I don't know if the same timeline happens for CO vs just the lates in my case. Let us know and I hope it does happen April 1 for you!

Thanks @tortoise_credit Appreciate your input.