@Anonymous wrote:Hi, I have a question I hope someone can help with. I was thinking about buying my first house and recently purchased my FICO score and it was 632. I went into collections on 2 accounts in 3/2003(Capital One) and 5/2003(Emerge Credit Card). They have both been paid off since then. I haven't missed a payment on any accounts since 2003.(No missed payments showing on FICO) These 2 collections are the only negatives other then high CC balances which I paid off last month with my taxes.
Anyway, I guess I would like to know how to remove the 2 collections. Any help would be greatly appreciated.
Thanks very much for your time,
John
Hello and welcome to the forums.
Do you know what the DOFD (Date of First Delinquency) is on these accounts? I ask because the collections should be very close to vanishing.
The drop-off date for a collection reporting is 7 1/2 years from the DOFD on the OC account.
When did you last check your credit reports? You can pull them for free once a year at annualcreditreport.com
Equifax will list the DOFD and Experian and Transunion will show when these lates should go away.
From a BK years ago to:
7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
You can do the same thing with hard work
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ETA: Once again my slow fingers are beaten by guiness. 