Estimated Date To Fall Off Report Has Passed

[SilentOne]

I had two old AMEX accounts that went into collections and were later paid in full. I just checked Transunion and one says it's estimated date to fall off is 1/21, the other says 9/21. I've already got a new AMEX card and scores are 650s - 670s. Plus, these are only 2 of the 11 deragotory marks on there. 

Should I worry about it or just let it fall off naturally?

[ItsCASHual]

I'm wondering if you meant 2022. If it's for sure 2021 then I'd call AMEX and ask them to update their reporting. Both 1/21 and 9/21 have long since passed and they are required to provide a timely update status to the CRA.

[FireMedic1]

I'd wait it out a couple more weeks. And I hope as said above its 2022. If its still there. Then dispute as too old. Let it go on its own.

[josie]

Mines said the same but actually doesn't fall off till 2023. My DOFD is 03/2016. I. What is your DOFD (date of first delinquency)