According to my annualcreditreport.com report, my last 2 charge-offs are scheduled to be removed from my TU report this month 4/2020.
Does anyone know when this happens within the month? Mid month? End of the month? First business Friday or something?
Do you know what day? It can be a few days after the date but typically you will see it off the next month for sure so if it says it will fall off 4 usually 5/1 it's gone gone 
But if you do know a date specifically it can be 5-7 days from that date I believe if I remember correctly 
Sadly no. They didn't list a specific date. Just 4/2020.
I was trying to narrow down a date (if they happened to do it in bulk or something).
Got ya so yes I would have no idea it could be begin/middle/or end but 9.9% for sure 05/01 GONE XD
@Girlzilla88 wrote:Got ya so yes I would have no idea it could be begin/middle/or end but 9.9% for sure 05/01 GONE XD
I agree 
Early Exclusion:
7 year (plus 180 days) mark is the DoFD exclusion date. You can request for EE Early Exclusion on your derogatory / delinquency from:
TransUnion - 6 months early.
Call up TransUnion . Front line csr may be able to assist. If not, request to speak with a supervisor to have the delinquency / derogatory removed. You may not see a score improvement until the last late is removed. However, since EE request is a simple process might as well take advantage of it.
@AllZero wrote:Early Exclusion:
7 year (plus 180 days) mark is the DoFD exclusion date. You can request for EE Early Exclusion on your derogatory / delinquency from:
TransUnion - 6 months early.
Call up TransUnion . Front line csr may be able to assist. If not, request to speak with a supervisor to have the delinquency / derogatory removed. You may not see a score improvement until the last late is removed. However, since EE request is a simple process might as well take advantage of it.
Thank you. I already have the month/year of deletion (and DOFD) from my annual credit report. They are going to age off this month sometime.
I don't have the patience to sit on hold for something that's going to be removed in the next 29 days.
I was just trying to see if there was a guideline for when within the month it would happen.
I still have some other lates so it's not going to be a huge score shift. But it will be nice to have my last account that is listed as derogatory be removed.
@I_Love_Cards wrote:
@AllZero wrote:Early Exclusion:
7 year (plus 180 days) mark is the DoFD exclusion date. You can request for EE Early Exclusion on your derogatory / delinquency from:
TransUnion - 6 months early.
Call up TransUnion . Front line csr may be able to assist. If not, request to speak with a supervisor to have the delinquency / derogatory removed. You may not see a score improvement until the last late is removed. However, since EE request is a simple process might as well take advantage of it.
Thank you. I already have the month/year of deletion (and DOFD) from my annual credit report. They are going to age off this month sometime.
I don't have the patience to sit on hold for something that's going to be removed in the next 29 days.
I was just trying to see if there was a guideline for when within the month it would happen.
I still have some other lates so it's not going to be a huge score shift. But it will be nice to have my last account that is listed as derogatory be removed.
Understood. Hope you get a nice score increase when all your deragatories are removed.
@AllZero wrote:
@I_Love_Cards wrote:
@AllZero wrote:Early Exclusion:
7 year (plus 180 days) mark is the DoFD exclusion date. You can request for EE Early Exclusion on your derogatory / delinquency from:
TransUnion - 6 months early.
Call up TransUnion . Front line csr may be able to assist. If not, request to speak with a supervisor to have the delinquency / derogatory removed. You may not see a score improvement until the last late is removed. However, since EE request is a simple process might as well take advantage of it.
Thank you. I already have the month/year of deletion (and DOFD) from my annual credit report. They are going to age off this month sometime.
I don't have the patience to sit on hold for something that's going to be removed in the next 29 days.
I was just trying to see if there was a guideline for when within the month it would happen.
I still have some other lates so it's not going to be a huge score shift. But it will be nice to have my last account that is listed as derogatory be removed.
Understood. Hope you get a nice score increase when all your deragatories are removed.
Thank you! Me too. Unfortunately, the last won't go until 2024 (federally backed student loans that are un-goodwillable).
But these two are the last of a lot of yuck from 7-8 years ago so I'm really excited to see that life/financial phase finally gone.
And I think there will be a little bit of boost-I hope anyway. I'm at 700+ for all but TU (which is at 697). So I'm hoping for 4 points LOL. We'll see what happens sometime in the next 29 days.
Since I know you're all on the edge of your seats....
These accounts were removed on the 7th.
I didn't get a score update that day and the next one also included one inquiry becoming non-scorable.
TU08 +4 pts.
V3.0 +2 pts. This doesn't matter but listing as a comparison for the next line.
V4.0 - 62 pts. That's correct. MINUS 62. This score does matter because Sync is now using 653 rather than 715 for my CLI requests.
I didn't expect any real movement on my FICO since I still have serious lates on other accounts. So +4 is good (if that's even from these accounts and not the inquiry-I still have a LOT of those though so I'm probably maxed). And no charge offs is even better.
Anyway-if anyone is googling, they were scheduled to age off in 4/2020 and were removed on the 7th.