cancel
Showing results for 
Search instead for 
Did you mean: 

EX Experian "on record until" date and when derogs fall off naturally

LaHossBoss
Valued Contributor

EX Experian "on record until" date and when derogs fall off naturally

SO has 4 accounts with "on record until" date of 10/2020.

 

We did not try to EE last month, but was wondering if there is a specific day or date that EX removed accounts due to age off?

 

Has anyone had accounts naturally age off EX at the "on record until" date and notice when?

 

I would have assumed the 1st of the month like EQ and TU.

 

I never paid attention before over the years, as we just ignored our credit basically until this year, so I haven't the slightest.

 

Thanks!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 638] [F9 600] [EQ5 668] [VS3 651] | TU [F8 610] [F9 569] [TU4 605] [VS3 605] | EX [F8 612] [F9 553] [EX2 627] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 659] [F9 620] [EQ5 645] [VS3 655] | TU [F8 673] [F9 613] [TU4 608] [VS3 674] [VS4 658] | EX [F8 659] [F9 628] [EX2 634] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 1 of 6
5 REPLIES 5
LaHossBoss
Valued Contributor

Re: EX Experian "on record until" date and when derogs fall off naturally

I dug a little deeper through the forum and over the years it looks like EX may bless you with dropping entire strings of lates at the beginning of the months, but the "on record until" date they are more liberal with.

 

Some have said a full week and the weekend and others have said as late as the beginning of the following month. Basically they are as unpredictable as Disco lol

 

Not too thrilled, but we will wait patiently (or try) for another month before having SO call in.

 

We are in no rush to app for anything as there are loads of derogs that will be falling off over the next 9 months for SO and 14 months for me, but we are human and get impatient lol we just want them gone already! I know we could call in or EE, but this is gonna be a monthly thing, and since we are going nowhere fast, it is probably best to not waste so much time on the phone when things will drop on their own soon enough. Now when it comes down to the very last baddie for each of us, that will be a couple of phone calls worth the effort!

 

Anyway, 7 years is a long time and it is hard to wait a minute more the closer you get to that light at the end of the tunnel!

 

I still welcone feedback to see when EX has dropped your derogs vs the "on record until" date they have quoted you!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 638] [F9 600] [EQ5 668] [VS3 651] | TU [F8 610] [F9 569] [TU4 605] [VS3 605] | EX [F8 612] [F9 553] [EX2 627] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 659] [F9 620] [EQ5 645] [VS3 655] | TU [F8 673] [F9 613] [TU4 608] [VS3 674] [VS4 658] | EX [F8 659] [F9 628] [EX2 634] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 2 of 6
LaHossBoss
Valued Contributor

Re: EX Experian "on record until" date and when derogs fall off naturally

So I just did SO's weekly ACR pull and double checked EX and the 4 accounts that had "on record until" date of 10/2020 and now it no longer lists an "on record until" date!

 

It still shows they are CAs and derogatory, but have no age off date. This is a bit disheartebing, as other DPs stated that the date was simply pushed forward, worst case scenario, but just disappearing is a bit deflating.

 

I am hoping these derogs still fall off this month, but will patiently wait through November, need be. 




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 638] [F9 600] [EQ5 668] [VS3 651] | TU [F8 610] [F9 569] [TU4 605] [VS3 605] | EX [F8 612] [F9 553] [EX2 627] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 659] [F9 620] [EQ5 645] [VS3 655] | TU [F8 673] [F9 613] [TU4 608] [VS3 674] [VS4 658] | EX [F8 659] [F9 628] [EX2 634] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 3 of 6
LaHossBoss
Valued Contributor

Re: EX Experian "on record until" date and when derogs fall off naturally

Just wanted to follow up some DPs.

 

SO's 4 TLs that lost their "on record until" dates of 10/2020, finally naturally fell off Monday morning!

 

Definitely took a bit longer than the "whole week and weekend" DPs I saw, but better than "the following month" DPs, I saw!

 

So it was 2 full weeks, including the weekend, amd dropped off that following Monday morning. So, basically. Dps are all over the place, but they eventually drop roughly "around" the "on record until" date.

 

Kind of reminds me that EX marches to the beat of their own drum like with HPs taking 25 months to age off, you know, to make sure it was a FULL 24 months, just in case you apped at the end of the month.

 

SO saw an incredible +4 pt Fico 8 score increase lol hinestly, not surprised since he still has other derogs and like how we saw with TU EE-ing 8 of 18 derogs and only seeing a +9 pt increase in Fico 8.

 

Hanging in there as the cascade of derogs are flying off reports for the next several months for both of us. I can't hardly wait until the last one drops to see where we really are!

 

Side note, I had my only CO ("paid less than balance owed" remark) on EQ age off and saw +0 pt increase in Fico 8 lol

 

Hope this helps someone waiting for their baddies to age off of EX.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 638] [F9 600] [EQ5 668] [VS3 651] | TU [F8 610] [F9 569] [TU4 605] [VS3 605] | EX [F8 612] [F9 553] [EX2 627] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 659] [F9 620] [EQ5 645] [VS3 655] | TU [F8 673] [F9 613] [TU4 608] [VS3 674] [VS4 658] | EX [F8 659] [F9 628] [EX2 634] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 4 of 6
MasonK
Regular Contributor

Re: EX Experian "on record until" date and when derogs fall off naturally

Thanks for the DPs!

 

I'm currently trying to get another set for everyone because my two mortgage foreclosures are set as being on record with EX until 1/2021. So far it's following this pattern described above- January rolls around and it doesn't drop in the first week, reports stop saying "On Record Until 1/21".

 

Next Monday will mark the first Monday after the first two full weeks. Maybe that's the new magic date.

4/18/16 FICO8 Scores: EX: 451, EQ: 431, TU: 482
1/20/21 FICO8 Scores: EX: 796, EQ: 711, TU: 731
FICO9 EX: 800

Message 5 of 6
LaHossBoss
Valued Contributor

Re: EX Experian "on record until" date and when derogs fall off naturally


@MasonK wrote:

Thanks for the DPs!

 

I'm currently trying to get another set for everyone because my two mortgage foreclosures are set as being on record with EX until 1/2021. So far it's following this pattern described above- January rolls around and it doesn't drop in the first week, reports stop saying "On Record Until 1/21".

 

Next Monday will mark the first Monday after the first two full weeks. Maybe that's the new magic date.


Thanks for following up with your experience! Do let us know when it actually falls off!

 

Good luck and congrats on having your baddie age off soon!




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 2•21 | EQ [F8 638] [F9 600] [EQ5 668] [VS3 651] | TU [F8 610] [F9 569] [TU4 605] [VS3 605] | EX [F8 612] [F9 553] [EX2 627] [VS3 589]
Goal Score: 670


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 2•21 | EQ [F8 659] [F9 620] [EQ5 645] [VS3 655] | TU [F8 673] [F9 613] [TU4 608] [VS3 674] [VS4 658] | EX [F8 659] [F9 628] [EX2 634] [VS3 680]
Goal Score: 670 [X] TU


Take the myFICO Fitness Challenge



Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.