cancel
Showing results for 
Search instead for 
Did you mean: 

7 year mark for derog?

povertybro
New Contributor

7 year mark for derog?

Is March 26 the anniversary? If so do I dispute to fall off or what action do I take? I plan to refinance my current auto loan after this falls off. 

 

 

 


5AF5FA06-D6E0-411B-AADA-B7D27B7717B0.jpeg

 

Message 1 of 2
1 REPLY 1
DebtStinks
Established Contributor

Re: 7 year mark for derog?

Yes, as long as the DOFD (date of first delinquency) was at least 7 years ago and depending on the bureau, it could be as late as the beginning of the following month.

 

On the upside, removal from Transunion is very easy. Log into CreditKarma (example), then find the account, click file a dispute, check the box listed as "account too old to be on report" or something very similar. Log out, then log back in. The "dispute" should be resolved and the tradeline deleted. FYI, this should work for accounts due to fall off within 6 months, but only on Transunion.

 

Best of luck!

PenFed Visa Signature $35000 (Opened 6/20) - NFCU More Rewards AMEX (Opened 1/19) $17000 - NFCU Platinum $15000 (Opened 1/21) - Capital One World Elite MC $11200 (Opened 11/17) - TTCU Platinum Visa $10000 (Opened 10/18) - Uber Visa $5000 (Opened 1/19) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $36500 (Opened 10/18)
Total CL - $131700

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:




Inquiries Last 12 Months:
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.