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Experian Thanksgiving surprise....Charge off deleted early

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Frequent Contributor

Experian Thanksgiving surprise....Charge off deleted early

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.

Starting FICO 8 December 2017


FICO 8 as of 12/7/19

FICO 5/4/2 as of 12/7/19




Sock Drawer:
18 REPLIES 18
Valued Member

Re: Experian Thanksgiving surprise....Charge off deleted early

Same thing happened to me this morning. Two Synchrony accounts gone. Amazon and Care Credit. Looks like they are purging old CO accounts.
Message 2 of 19
Frequent Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early


@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!

Starting FICO 8 December 2017


FICO 8 as of 12/7/19

FICO 5/4/2 as of 12/7/19




Sock Drawer:
Message 3 of 19
Valued Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early

Congratulations on your success!
Message 4 of 19
Super Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early

Congrats! Happy Bird Day!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 5 of 19
Community Leader
Senior Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early


@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 Smiley Happy



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 6 of 19
Senior Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early

Grats!

Now if only LVNV would do that for me and delete their collection off my reports. Smiley Sad
Currently rebuilding as of 04/11/2019.

Starting Scores:
EX 518
EQ 518
TU 521

Current FICO scores:
EX 576
EQ 567
TU 575
Message 7 of 19
Valued Member

Re: Experian Thanksgiving surprise....Charge off deleted early

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 .

Fico score 8 (11-29-19)
EX 760 EQ 739 TU 813
UTIL% 10% 10% 13%
AaoA 6yr 5mth 5yr 6 mth 5yr 6mth

INQ – (12-14-18)
Chase Citi Chase
Citi HSBC
Amex Comenity
Discover

INQ -(03-14-19)
Cap1 Cap1 Cap1
Disc Disc 5/3 Bank
HSBC

AoOA - 19yrs
AoYA - 7 months
13 Credit Card accounts – Chase $4500/$14000
HSBC $5/5500
Cap1 Savor $0/5500
-rest at 0 Balance
1 Self Lender Acct. from April $40/$500
1 NEGATIVE – 1 30 day late Cap1 (2015)
Message 8 of 19
Frequent Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early


@ImTheDevil 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 Smiley Happy


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?

Starting FICO 8 December 2017


FICO 8 as of 12/7/19

FICO 5/4/2 as of 12/7/19




Sock Drawer:
Message 9 of 19
Frequent Contributor

Re: Experian Thanksgiving surprise....Charge off deleted early

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!

Starting FICO 8 December 2017


FICO 8 as of 12/7/19

FICO 5/4/2 as of 12/7/19




Sock Drawer:
Message 10 of 19
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