7 year charge off

[rhall2009]

 So I had to disupte transunion over a charge off they refused to drop because they erased all the information and no longer had a dofd for the account. Well finally got it deleted and my question is should i expect any score increase with this charge-off being so old. I did get a credit karma fako score 18 point boost. But i also have a collection that just deleted from 2012 so I am not sure which one actually gave me the increase. I thought after reading here that charge offs don't decrease in harm to your score unless deleted. I cant imagine it only hurting my by 18 or less points but maybe im wrong.

[gdale6]

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@rhall2009 wrote:

 So I had to disupte transunion over a charge off they refused to drop because they erased all the information and no longer had a dofd for the account. Well finally got it deleted and my question is should i expect any score increase with this charge-off being so old. I did get a credit karma fako score 18 point boost. But i also have a collection that just deleted from 2012 so I am not sure which one actually gave me the increase. I thought after reading here that charge offs don't decrease in harm to your score unless deleted. I cant imagine it only hurting my by 18 or less points but maybe im wrong.

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It depends on whether or not that CO was updating monthly, more points would be gained if it had been, less if not. You cannot equate an 18 point rise in a FAKO to what your Fico is going to do.

[Anonymous]

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@gdale6 wrote:

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@rhall2009 wrote:

 So I had to disupte transunion over a charge off they refused to drop because they erased all the information and no longer had a dofd for the account. Well finally got it deleted and my question is should i expect any score increase with this charge-off being so old. I did get a credit karma fako score 18 point boost. But i also have a collection that just deleted from 2012 so I am not sure which one actually gave me the increase. I thought after reading here that charge offs don't decrease in harm to your score unless deleted. I cant imagine it only hurting my by 18 or less points but maybe im wrong.

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It depends on whether or not that CO was updating monthly, more points would be gained if it had been, less if not. You cannot equate an 18 point rise in a FAKO to what your Fico is going to do.

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How can you determine if the CO reports monthly? Is that the Date Updated on the CR?

[bdhu2001]

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@Anonymous wrote:

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@gdale6 wrote:

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@rhall2009 wrote:

 So I had to disupte transunion over a charge off they refused to drop because they erased all the information and no longer had a dofd for the account. Well finally got it deleted and my question is should i expect any score increase with this charge-off being so old. I did get a credit karma fako score 18 point boost. But i also have a collection that just deleted from 2012 so I am not sure which one actually gave me the increase. I thought after reading here that charge offs don't decrease in harm to your score unless deleted. I cant imagine it only hurting my by 18 or less points but maybe im wrong.

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It depends on whether or not that CO was updating monthly, more points would be gained if it had been, less if not. You cannot equate an 18 point rise in a FAKO to what your Fico is going to do.

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How can you determine if the CO reports monthly? Is that the Date Updated on the CR?

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If on your credit report, for this particular creditor, there's a newnotation for each month saying CO and for history date they show previous month's date.