Impact of Charge Off

Anonymous · ‎07-16-2018

Hey All,

You may find this interesting. I have a charge off that is set to fall off in September, but for some reason, TU took it off early. I believe my TU score was 698 before the change. Also, my TU FAKO went from 719 to 754.

grower1 · ‎07-16-2018

Congrats on the score improvement!

19eighty5 · ‎07-16-2018

WOW! Thanks for sharing the information. Was the charge off paid before falling off?

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎07-16-2018

This was paid. I think Chase incorrectly used a card for a $100 overdraft after I had mothballed the account. I am disputing with Chase as I thought it would be on my report for two more years but I live in NY, and paid charge offs drop after five years.