@Anonymous wrote:
Im X'ing my fingers things stay as they are. They have left me alone for 5 years with no file updates and im approaching SOL at 6.
Im on full disability (FED) so they cant garnish which may be one of the reasons I have dodged a bullet. I do have a lawyer who helps me out and took care of a couple of nasties who came after me.
Since im at 5 years from DOFD it might be best to let this age off at the 7.5 years.
Unless anyone has anything else in mind?
At 7 years maybe try a EE unless thats risky?
Although the FCRA states 7 years plus 180 days, Credit Buearus remove it within 7 years. You can request an early exclusion from TU 6 months early, EX 3-4 month early, and EQ 1 month early. In alot of cases they automatically fall off a few months shy of the 7 year mark.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
