cancel
Showing results for 
Search instead for 
Did you mean: 

Data Point: EX Credit Score increase once last baddie fell off

Get your FICO Score for free

No credit card required

SweetCreditObsession
Valued Contributor

Data Point: EX Credit Score increase once last baddie fell off

Here's a data point on a negative item aging off on your credit report:

 

I decided to let it age off so I could keep the account history.

 

My final baddie, (a 30D late from December 2015), fell off my EX credit report yesterday an I received a 36 point increase on my Fico 8.

 

Though I anticipated it dropping in December of this year or possibly January of 2023, EX seems to have proactively removed it 60 days early. 

 

Interestingly, the baddie is still present on my Transunion report and is absent on the Equifax report. I did not contact any of the CRA to request to remove this account or the baddie.

 

I hope that this helps you.



(+102) | (+106) | (+151)
| TU Fico 9: ? | Exp Fico 9: ? | EQ Fico 9: ?| EQ Fico 8 Bankcard: 807

Initial Goal: Min. 740 w/all CRAs - Met
Next Goal: Amex BCE
Current Goal(s): Min. 780 w/all CRAs
Gardening Until: ??/??/202?| Last App: 7/21/2021





Message 1 of 2
1 REPLY 1
FireMedic1
Community Leader
Super Contributor

Re: Data Point: EX Credit Score increase once last baddie fell off

Congrats. Dont see gains that high with a 30 day deleted often.




Homeowner since Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my experiences after BK from learning here. Started 540's.
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.