Delinquencies Falling Off Earlier than Expected

[Aspireto850]

@Vandersnoot,

Cannot imagine why you have a ‘generalized dislike’ to talking to CSRs!! I have no experience in this area AT ALL!! 😉

[VanderSnoot]

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@Aspireto850 wrote:
@Vandersnoot,

Cannot imagine why you have a ‘generalized dislike’ to talking to CSRs!! I have no experience in this area AT ALL!! 😉

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LOL, I also have a slight fear that they'll screw something up - like update the account - resulting in 7 more years of waiting. I'm looking at you, EQ and EX.

Yep, better to just sit back and hope to be pleasantly surprised.

[VanderSnoot]

One last thought ... do the delinquencies age off on the exact anniversary (rather than the first of the month)? That might explain why an account that must have had its DOFD in Sept 2012 is still on my report. For example, if the payment was due 9/20/2012, the DOFD would be 9/21/2012 and the delinquency would age off 9/20/2019. That said, mortgages and education loans are generally due on the 1st, I believe.

[Anonymous]

Not a delinquency, but I had a paid collection fall off of EQ early. According to their previous fall off date, i still had another year. But as recent as a few days ago I no longer see it listed on CK. At least where it used to be.