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Question about fall off dates

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Regular Contributor

Question about fall off dates

I have three accounts on my credit report that are bad.  Two of them have actual month and years that they are to fall off, but one does not mention any fall off date.  It does have a list of dates for when it became past due and was charged off.  This is from an Experian report.
 
My question is how would I find out when this account is scheduled to fall off?
 
By the way, one account fell off this month--it knocked my score up 40pts.
Message 1 of 6
5 REPLIES 5
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Valued Contributor

Re: Question about fall off dates

Call the CRA and ask them. That is the best way.
New York Yankees - 2009 World Series Champions. 27... and counting.....
Message 2 of 6
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Valued Contributor

Re: Question about fall off dates

Ex are usually the ones that have the clear drop off date on it...they should all have the same drop off date...but it...7-7.5 years from the DOFD...
Message 3 of 6
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Regular Contributor

Re: Question about fall off dates

I think I will justcall them, I didnt know if that was going to get me anywhere and thought I would ask here first. 
 
I was surprised about it, too, not having a fall off date that is.   Thanks for a prompt response. 
Message 4 of 6
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Frequent Contributor

Re: Question about fall off dates

And make sure you document the call so that you will have some backup in case they ever try to change the date on you.
TU-654 (6/9/08), EQ-660 (5/15/08), EX-?
TU-696 (9/1/08), EQ-702 (2/25/09), TU-700 (3/2/09)
TU-748 (6/4/09), EQ-746 (6/1/09)
TU-746 (7/7/09), EQ-749 (7/7/09), EXP-696 (7/7/09)
Message 5 of 6
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Moderator Emeritus

Re: Question about fall off dates

Your TU report should show the dates of drop-off for TLs.
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Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 6 of 6
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