@jade200 wrote:
Happy Friday!
I've read mixed things about Experian as to whether anything will be removed prior to the (3) month on record date. I've read that they will only remove up to one month early, due to a "baked in" date and have also read they'll remove earlier.
I am currently in the preapproval stage of a mortgage and am waiting for some old CO's to drop off. Luckily, they have dropped of TU and it gave me a hefty 67 point increase (after dropping (3) CO's- Toyota, WF and USAA below). Anyone have any advice? Thank you!
USAA on record date: 7/23
Toyota on record date: 7/23
Cap One on record date: 8/23
Wells Fargo on record date: 8/23
Cap One on record date: 9/23
Your post reminded me to take a look back at my EX.
In early January, I asked for EE on two Patelco CC accounts that were later IIB. The DOFD was March 2016. Both were removed.
A couple days later, I asked for EE on two Penfed CC accounts. DOFD was September 2016.
The Penfed dispute came back denied, with no changes to my credit report. After reading your post, I looked back at my EX, and both Penfed accounts are now gone completely, Looks like they did the EE after all, despite EX telling me they would not delete the Penfed trade lines at that point. Odd. But I'm not complaining.
FICO 8 (9/7/23) EX 718 EQ 720 TU 844
FICO 9 (9/17/23) EX 751 EQ 774 TU 850
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.
Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors Surpass 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 9.2K I Citi Best Buy Visa 10K I Macy’s Amex 1.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I UCLA Wescom CU Rewards Visa 7K I Affinity Pure Rewards Visa 5K
