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If it was charged off, and it appears that way, whole account will be removed at that time
@AllZero wrote:I think you omitted the "charged off" data in your original post. Answers rely on pertinent data. Absent of data, insufficient answers are given.
Apologies. I didn't realize that it rged off. And now that I think about it, I am not even sure what happen because it was 7 years ago and it was during my fast and crazy days. But when I spoke to the Experian dispute rep back in Dec, they said the account is removed on the date listed.
I'm just hoping I can at least go from 679 to 700 after this drops.
@Anonymous wrote:
@AllZero wrote:I think you omitted the "charged off" data in your original post. Answers rely on pertinent data. Absent of data, insufficient answers are given.
Apologies. I didn't realize that it rged off. And now that I think about it, I am not even sure what happen because it was 7 years ago and it was during my fast and crazy days. But when I spoke to the Experian dispute rep back in Dec, they said the account is removed on the date listed.
I'm just hoping I can at least go from 679 to 700 after this drops.
No worries. Members here try to give the best answers as applicable. As mentioned up thread, the entire "charged off" account will be removed from your credit report. You may have a chance on score improvement. I'm not quite sure since you have that ECMC derogatory.
Thanks. Looks like I'll just wait a few weeks and find out. I'll report back.
Hopefully Experian removes it on the date versus waiting for some arbritary day the following month.
Update: 3/28
Hi friends, hope everyone is safe. An update on this.
The account finally fell off today (original date was set for March 18). It was 7+ years old with 5 late payments (consecutive) attached to it. The whole account was deleted.
My average age of accounts dropped from 5 years and 5 months to 4 years and 9 months. There was no change to my score as a result of any of this (remains at 679).
@Anonymous wrote:Update: 3/28
Hi friends, hope everyone is safe. An update on this.
The account finally fell off today (original date was set for March 18). It was 7+ years old with 5 late payments (consecutive) attached to it. The whole account was deleted.
My average age of accounts dropped from 5 years and 5 months to 4 years and 9 months. There was no change to my score as a result of any of this (remains at 679).
Congratulations on your success!
Thank you. However, not sure if the score didn't change, what the point was
I guess it was so old it had no effect on my report anyway.