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I checked my Experian account this morning as usual just to make sure my regular payments had reported and was surprised to see a 14 point increase. When I investigated the reported my last baddie, a charge off for Synch/Amazon dropped off last night....WHAAT?!?! The date of first delinquency was listed with Experian was listed as 5/13, even though this was actually off by a month (the actual DOFD was 4/13, but I decided to leave well enough alone), I had marked on my calendar to call in February to request and EE. The odd thing about this charge off was that it did still show 30/60/90 and then multiple FP listed afterwards. Whether that had anything to do with it or not, I don't know...needless to say, I did a happy dance that scared the bejeezus out of my dog! WHOOT...2 clean reports now. Only Equifax left...this same baddie should drop from this report on 3/1/20.
@WarthogWrangler wrote:
Same thing happened to me this morning. Two Synchrony accounts gone. Amazon and Care Credit. Looks like they are purging old CO accounts.
Happy Holidays to us! Now, if Synch would only early purge my Equifax account!
Congrats! Happy Bird Day!
@WarthogWrangler wrote:
Same thing happened to me this morning. Two Synchrony accounts gone. Amazon and Care Credit. Looks like they are purging old CO accounts.
Holy cr@p, same here - I had an old Synch/Amazon derog that would drop 4/2020, had the reminder set for 1/1 for EE. Just went and looked and it's already gone - looks like you're right, they are purging
I also just realized a Sync/Amazon CO from July 2013 was removed from EX.... the last time I checked was NOV 16th and it was there and reported the same way you had described 30/60/90 FP/FP........ sure would be a great Turkey Day if TU and EQ follow .
@Anonymous wrote:
@WarthogWrangler wrote:
Same thing happened to me this morning. Two Synchrony accounts gone. Amazon and Care Credit. Looks like they are purging old CO accounts.Holy cr@p, same here - I had an old Synch/Amazon derog that would drop 4/2020, had the reminder set for 1/1 for EE. Just went and looked and it's already gone - looks like you're right, they are purging
Sooo, just thinking out loud here. If Synch is purging, would it be safe to expect these derogs to fall off the other bureaus as well? Hmmm?
It was a total purge! Equifax is now clean. TU was previously EE’d...I’ve now got 3 clean reports. I can’t recall a time when I’ve had 3 clean reports. If it wasn’t for this forum I would still be on the struggle bus. I can’t thank you all enough. Now, to secure that mortgage!