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Credit Report Question

Valued Member

Credit Report Question

Hi All,

 

I've been waiting out 3 charge offs on my reports, knowing that they should fall off sometime this year or next, but not being able to calculate exactly when because the information isn't clear or consistent across my credit reports. A few days ago, the 3 charge offs fell of my TU report. I was surprised and elated, especially as it meant a 27 point lift. I am especially happy because one of the charge offs was from Target and they have been updating the charge off every month for years. My question is this: is there a sense of when I can expect the charge offs to fall off of EQ and EX now that they've come off of TU?? Also, Target is still updating on EQ and EX so I'm paranoid that they'll update on TU again next month as their office has never stopped updating, but will the credit reports really stop recording their updates once the time has expired? Any insight or thoughts appreciated. Overall, I'm happy with how my rebuilding is going, but EX has always been so low, would love to have the 3 charge offs drop off and finally see a bigger lift in my EX score. Thanks! 

Fico scores as of 4/2/18: EQ: 635, TU: 629, EX: 596
Fico scores as of 5/1/18: EQ: 678, TU: 651, EX: 638
Fico scores as of 10/11/18: EQ: 670; TU: 677; EX: 634
Message 1 of 6
5 REPLIES
Valued Member

Re: Credit Report Question

Any takers? Any at all? 

Fico scores as of 4/2/18: EQ: 635, TU: 629, EX: 596
Fico scores as of 5/1/18: EQ: 678, TU: 651, EX: 638
Fico scores as of 10/11/18: EQ: 670; TU: 677; EX: 634
Message 2 of 6
Regular Contributor

Re: Credit Report Question

Typically 7 years from the DoFD. You can obtain that date from your full credit report requested from annualcreditreport.com or directly from the credit reporting agency.

You can also call each credit bureau and request the information or the expected exclusion date.
Starting Score: Jan 2018 EX 598
Current Score: EX 682 TU 683 EQ 698
Goal Score: 700+


Take the myFICO Fitness Challenge

Message 3 of 6
Valued Member

Re: Credit Report Question

Thanks for the tip. Since I pay for MyFico, it never occurred to me to go to Annualcreditreport.com. I just did and I discoverd the chargeoffs are also off my Equifax report and it seems the DoFD was Dec. 2011. This was not clear on my MyFico reports, so now I'm just waiting for them to fall off my Experian report. Hoping the Target chargeoff doesn't pop back up. They've been very committed to updating my account every month for the last seven years. Thanks, again! 

Fico scores as of 4/2/18: EQ: 635, TU: 629, EX: 596
Fico scores as of 5/1/18: EQ: 678, TU: 651, EX: 638
Fico scores as of 10/11/18: EQ: 670; TU: 677; EX: 634
Message 4 of 6
Regular Contributor

Re: Credit Report Question

You can call and request an early exclusion. Experian will usually allow this when it is within 3 months of the 7 year mark, so Dec 2018 is within that timing. Worth a shot! Good luck!
Starting Score: Jan 2018 EX 598
Current Score: EX 682 TU 683 EQ 698
Goal Score: 700+


Take the myFICO Fitness Challenge

Message 5 of 6
Valued Member

Re: Credit Report Question

Will do! Thanks!

Fico scores as of 4/2/18: EQ: 635, TU: 629, EX: 596
Fico scores as of 5/1/18: EQ: 678, TU: 651, EX: 638
Fico scores as of 10/11/18: EQ: 670; TU: 677; EX: 634
Message 6 of 6