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Experian Thanksgiving surprise....Charge off deleted early

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Valued Member

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

Oh wow -  I was thinking of pulling the other 2 but my next 3B pull isn't until Dec 7...  I might have to do it today now.  Thx for the update!

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 11 of 19
Valued Member

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

Its gone from Equifax now also...  but still on TU.  I did a 3b with creditchecktotal and it doesn't look like TU has updated yet since it is only CB still not reporting my paid off 5/3rd CC from the 24th...   So EX went from 701 to 725  and EQ 701 to 739 with the purge, TU still at 713.  This is a great Turkey Day gift just days beofre I have to start searching for first Auto Loan since 2005!

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 12 of 19
Frequent Contributor

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


@local1 wrote:

Its gone from Equifax now also...  but still on TU.  I did a 3b with creditchecktotal and it doesn't look like TU has updated yet since it is only CB still not reporting my paid off 5/3rd CC from the 24th...   So EX went from 701 to 725  and EQ 701 to 739 with the purge, TU still at 713.  This is a great Turkey Day gift just days beofre I have to start searching for first Auto Loan since 2005!


You know TU is notoriously slow to update.  It should certainly update by your 3B update on 12/7!  Congrats to you.  This has been a great Turkey Day gift to so many of us!

Starting FICO 8 December 2017


FICO 8 as of 12/7/19

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




Sock Drawer:
Message 13 of 19
Valued Member

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

I have seen the same.  I had old (paid) CO's with Synchrony - Walmart, Lowe's, and Amazon - and all 3 have dropped fully off Equifax and Experian altogether, while Amazon and Lowe's still remain on Trans Union.  I am hoping they drop off soon too! 

Message 14 of 19
Valued Member

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

Looks like they just dropped off - Now gone from all three reports!
Message 15 of 19
Valued Member

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

Same here -  just got a MyFico alert about an hour ago it was removed from TU  -  what a great suprise! TU Score 713 - 774

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 16 of 19
Established Member

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

I got a deletion too from TU, Synch Dual Card I think Walmart. No change to my credit score, and some of my utilization wasnt updated but I expect to see a chnge in score when they do the next TU pull

myFico EQ - 533
myFico TU - 553
myFico EX - 534
Message 17 of 19

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

Omg I just received a notification today that my Amazon and Lowes accounts have been deleted! No way what's going on?! I love this! Please to the deletion Gods.... keep deleting these negatives from my reports!
Starting Scores




src="https://img.shields.io/badge/Equifax-573-1B32E2.svg">


Current Scores










Message 18 of 19

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

I was just going through my alerts section in Credit Karma and apparently on November 26th I missed the notification that PayPal and Walmart were also removed! Synchrony was super purging my CRs and I really had no clue. So happy about another 2 COs coming off before 2022!
Starting Scores




src="https://img.shields.io/badge/Equifax-573-1B32E2.svg">


Current Scores










Message 19 of 19
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