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Question about Sallie Mae DOFD

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WhirledPeasPlease
Moderator Emeritus

Question about Sallie Mae DOFD

I was reading through the posts of the day and saw a comment by Smart Cookie about student loans reporting past the 7 years.  I really hope not!  I need these to be gone ASAP!!
 
I just checked my DOFD w/ each CB and it looks like this:
EQ shows 120 days as of June 01
TU shows 120 days as of May 01
EX shows 150 days as of June 01
 
Can I assume (ha!) that EQ will fall off June 08 minus 4 months (120 days) = Feb 08?
TU will fall off May 01 minus 4 mo (120 days) = Jan 08?
EX will fall off June 01 minus 5 mo (150 days) = Jan 08?
 
Thanks for any input!
 
(PS - If they fall off in the next 30 days or so I'm throwing a Virtual Fico Party w/ a door price of a gazillion dollar CL on the WhirledPeas Premier WunderCard!  Should I mention that a gazillion equals about 5 bucks in my world?  LOL)
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Question about Sallie Mae DOFD

It all depends on the account status-
 
If is is ok/current just the lates will drop - not the entire TL-
I say the lates drop in May-

WhirledPeasPlease wrote:
I was reading through the posts of the day and saw a comment by Smart Cookie about student loans reporting past the 7 years.  I really hope not!  I need these to be gone ASAP!!
 
I just checked my DOFD w/ each CB and it looks like this:
EQ shows 120 days as of June 01
TU shows 120 days as of May 01
EX shows 150 days as of June 01
 
Can I assume (ha!) that EQ will fall off June 08 minus 4 months (120 days) = Feb 08?
TU will fall off May 01 minus 4 mo (120 days) = Jan 08?
EX will fall off June 01 minus 5 mo (150 days) = Jan 08?
 
Thanks for any input!
 
(PS - If they fall off in the next 30 days or so I'm throwing a Virtual Fico Party w/ a door price of a gazillion dollar CL on the WhirledPeas Premier WunderCard!  Should I mention that a gazillion equals about 5 bucks in my world?  LOL)



Message 2 of 5
WhirledPeasPlease
Moderator Emeritus

Re: Question about Sallie Mae DOFD



Timothy wrote:
It all depends on the account status-
 
If is is ok/current just the lates will drop - not the entire TL-
I say the lates drop in May-


Hi Timothy -- Thanks for the reply!
 
These loans were closed/paid/consolidated in late 2001/early 2002.  Show as current or blank.
 
There might be some light at the end of the tunnel, these loans (all 13 of them) went POOF according to Equifax on TC..  this is new!  Woohoo!  (I'm going to pull just to make sure!)  My FAKOs went up 4 (ha ha) on EQ...  woohoo!
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 3 of 5
WhirledPeasPlease
Moderator Emeritus

Re: Question about Sallie Mae DOFD

OH Sweet JESUS!
 
Since those 'fell off' my EQ went from 618 to 654 in a WEEK!  My Ficos are now freakishly close -- 654, 654 and 653.
 
I can't WAIT to see what happens next!  EQ has always been about 30-40 points behind...
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 4 of 5
Anonymous
Not applicable

Re: Question about Sallie Mae DOFD

Nice POOF

WhirledPeasPlease wrote:
OH Sweet JESUS!
 
Since those 'fell off' my EQ went from 618 to 654 in a WEEK!  My Ficos are now freakishly close -- 654, 654 and 653.
 
I can't WAIT to see what happens next!  EQ has always been about 30-40 points behind...



Message 5 of 5
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