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Congrats on the auto!! You must be doing something right
Any reason why you don't want to try to pay / settle the charge-off so it stops updating? Is it close to the drop-off date?
@Anonymous wrote:
@thornback, Thanks! Its less than 2 years from being removed. I’ve been concentrating on bringing up my scores and paying everything off. Within a month or so I’ll be completely debt free (except my car lease) and will be in a better position to make an offer and just be done with it. Definitely considering making them an offer. This was the first time it’s updated since 2014 so that’s why I think I took such a hit. Hoping this won’t be a recurring thing with them.
Gotcha -- makes sense. And yep, that's why you took such a hit-- your scores were recovering as that derog aged then BAM! Just so you know - it is pretty common for creditors to suddenly start updating again as the tradeline approaches the reporting statute -- seems they use it as a way to get you to pay... so don't be surprised if it updates every few months til it's taken care of or falls off.
Congrats again on your CLI / rebuild progress -- AND for being near-debt-free in a month!! That's awesome.
Agree - this forum is a godsend and I wish I would have found it sooner too -- I probably wouldn't have stayed away from all-things-credit for so long (I was of the mindset of just burying my head in the sand til everything bad went away...). I often wonder how much farther along I'd be had I found this forum sooner... oh well, is what it is.
Best of luck with everything!
Congrats on the CLI. 4X CLI nice.