How do I get a copy of the credit report that says when something will fall off my report?

[NibblesTreats]

So I get all three of my reports through this site - BUT none of them tell me the expected "fall off" date of any of the derogs.  I've had reports in the past with this information, but I'm not sure how to get it.  Could someone explain this to me?  Thanks!

[Anonymous]

Annualcreditreport.com or call the 800 number and ask them to mail them to you .

[TURNERHOOVER]

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@Anonymous wrote:
Annualcreditreport.com or call the 800 number and ask them to mail them to you .

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+1

[gdale6]

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@NibblesTreats wrote:

So I get all three of my reports through this site - BUT none of them tell me the expected "fall off" date of any of the derogs.  I've had reports in the past with this information, but I'm not sure how to get it.  Could someone explain this to me?  Thanks!

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3rd party pullers usually truncate certain info from ones report, the best advice I can give you is to obtain them directly from the CRAs and by mail if you want to see all the available info.

[elim]

semi off-topic...

Is it 12 months between free reports? or 1 (3) per calendar year?  I suppose i have been denied the best terms many times recently so i can get them free anyway.

[NibblesTreats]

I was able to get my transunion one that has the "fall off" dates on it. I looked over my equifax and I don't see them on there. Then, I have to send in information to Experian because they wouldn't give me my free one online so I'm not sure about that one. BUT, I suppose if they show on one of the reports, that should be enough to give me a ball park idea of when I can hope to see them gone.

Semi-off topic - but once they are gone, how likely is it that my score goes up if I also continue to pay everything on time, etc.?  It shows that the few baddies I still have will be gone by mid - next year.

[gdale6]

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@NibblesTreats wrote:

I was able to get my transunion one that has the "fall off" dates on it. I looked over my equifax and I don't see them on there. Then, I have to send in information to Experian because they wouldn't give me my free one online so I'm not sure about that one. BUT, I suppose if they show on one of the reports, that should be enough to give me a ball park idea of when I can hope to see them gone.

Semi-off topic - but once they are gone, how likely is it that my score goes up if I also continue to pay everything on time, etc.?  It shows that the few baddies I still have will be gone by mid - next year.

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Odds are good for a score increase once your last baddie  is excluded

[NibblesTreats]

Thanks gdale6!  I sure hope so. I know my cc utilization is a bit higher than it "should" be right now as well, so I'm hoping once I get that down I will also see a bit of a jump.  I'm so close to the 700 club that I can taste it!  I am really hoping to be there within the next 6 months.

[Goblin]

Every so often, I call in to each of the credit bureaus to flat out ask when my baddies will fall off.  Then i direct the conversation to ask if those accounts are eligible for early exclusion.  I was successful with all accounts, but one last clinger, due to fall off October 2015.

[bdhu2001]

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@elim wrote:

semi off-topic...

Is it 12 months between free reports? or 1 (3) per calendar year?  I suppose i have been denied the best terms many times recently so i can get them free anyway.

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It's 12 months between free report(s). If you're working on something, you can get your free EQ report in Feb and take action.  Then when you think your action should reflect, you get your free TU report in April. Take new action and get your free EX report in June.  Next year you can get your new EQ report in Feb.  Some people pull all three reports at once, some pull one per quarter (for three quarters). Anyway.  I hope that answers your question.