TL deleted 18 months early

sup3rpat · ‎06-25-2014

Today I pulled my report and noticed my First Premier charge off was deleted! It wasn't due to fall off until 01/16. I did not dispute it and it's gone. Will they realize they made a mistake and put it back on my report or did I somehow get lucky? Has anyone else had a negative TL deleted early without dispute? In the meantime I'm stoked, went from 695 to 738 overnight 😁

Starting Score: EX FAKO 566 EQ 552 TU 568 (07/2010)
Current Score: EX 826 EQ 826 TU 826 (10/2020)
Goal Score: 800 Club 2020!
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Shogun · ‎06-25-2014

Most likely it's just gone. I doubt it comes back.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

gdale6 · ‎06-25-2014

@Shogun wrote:
Most likely it's just gone. I doubt it comes back.

+1 and grats

egscoach · ‎06-25-2014

I had two Charge off from Bank of America removed from EXP without dispute. It was due to fall off May 2015. My score jumped 81 points to 758. COme TU & EQ!

sup3rpat · ‎06-26-2014

That's reassuring Hopefully it comes off of my EQ and TU also

Starting Score: EX FAKO 566 EQ 552 TU 568 (07/2010)
Current Score: EX 826 EQ 826 TU 826 (10/2020)
Goal Score: 800 Club 2020!
Take the FICO Fitness Challenge

alvon123 · ‎06-26-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

SusieQ · ‎06-27-2014

Same thing happened to me. FP dropped off Experian first on 6/20. Today it dropped off Equifax. Keeping fingers crossed that a) it drops off Trans Union next and b) it stays off forever.

I also checked my reports - mine were scheduled to drop 2016.

sup3rpat · ‎06-27-2014

Wow, what a coincidence! It dropped off of my EQ today too, all I have left is TU and all my reports will be clean. I really hope they stay off, I'm just baffled that they are deleted so early and without reason...

Starting Score: EX FAKO 566 EQ 552 TU 568 (07/2010)
Current Score: EX 826 EQ 826 TU 826 (10/2020)
Goal Score: 800 Club 2020!
Take the FICO Fitness Challenge

Carrie_in_Pa · ‎06-27-2014

Nice score jump, CONGRATS!!!

Starting Score: 382 - 418 (2005) -- Current Score: 628 (TU08) -- 661 (Beacon 5.0) -- Goal Score: 750+
Into the Garden 6-15-2014 -- Digging in the dirt until 6-2015

Whitneyy · ‎06-27-2014

Congrats to EVERYONE!

GOAL - 700 FICO across the board!