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What day can I expect fall off from report

Rebuild2022
Super Contributor

What day can I expect fall off from report

I do not have the individual reports fall off dates. But one of the report says fall off date 4/1/2022. Based on this when can I expect the items to drop off from TU / EX / EQ. I know there is 3 months early and 6 months early depends on the credit bureau.

 

Update: Thanks every one for your input. I have one more question. I checked my old Reports and able to fnd TU and it says "Estimated month and year that this item will be removed: 06/2022" Based on this when can we ask for EE from TU / EX / EQ.( I understand it is better to stay from EQ)

Gardening since 08/2020
2 REPLIES 2
FireMedic1
Super Contributor

Re: What day can I expect fall off from report

You can make the call and ask for early exclusion. They wont do it on their own.

TU - 6 months early
EX - 3 months early
EQ - 30 days early, but don’t do it. They'll screw it up more.






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's.
Message 2 of 3
LaHossBoss
Senior Contributor

Re: What day can I expect fall off from report


@Rebuild2022 wrote:

I do not have the individual reports fall off dates. But one of the report says fall off date 4/1/2022. Based on this when can I expect the items to drop off from TU / EX / EQ. I know there is 3 months early and 6 months early depends on the credit bureau.


Sometimes it varies by report, I would try and ovtain your 3 CRs from annual credit report.

 

Remember, EX lists "on record until" date that includes 2 or 3 months of EE built into that date, so if the date you list is from EX, it will change the age off date for TU and EQ by 2 or 3 months, so knowing the source of that date will narrow down what you are looking for.

 

TU tends to age items off at the beginning of the month and EQ ages items off at the beginning of the month or at the end of the prior month, where EX ages off at the mid to end of month for the date they list.

 

With the info given, no way to be certain for all 3 bureaus when your derog will age off. If you get the dates from annual credit report - we can help you narrow it down much further.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 7•21 | EQ [F8 645] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 643] | EX [F8 714] [F9 675] [EX2 681] [VS3 674]
Goal Score: 670 [X] TU [X] EX

Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 7•21 | EQ [F8 670] [F9 622] [EQ5 706] [VS3 639] | TU [F8 676] [F9 673] [TU4 652] [VS3 620] [VS4 598] | EX [F8 707] [F9 711] [EX2 680] [VS3 656]
Goal Score: 670 [X] TU [X] EX




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