I have a derogatory entry on my TU report; I just obtain the TU report ($11.50) from TU and the adverse information states: All,Remarks: >PAID COLLECTION< Estimated month and year that this item will be removed: 08/2014 I'm too excited; it has been on my report for well over 6 years. The information dropped off from EX and EQ and my scores went up 40 points. The question I have is when will it actually be reflected on the reports (begging, middle, and or end of month)? Any information would be helpful. Thanks!
Re: Derogatory Removal schedule to fall off in August
I never tracked the underlying report data that closely, but with Equifax and an ancient tax lien, it appeared to come off beginning of month but I have a non-trivially busy report around that time so it could've been awkward.
It would make sense as it's month/year calculated anyway to do it that way from a backend software perspective. Needlessly complicated and confusing otherwise.