cancel
Showing results for 
Search instead for 
Did you mean: 

How I feel waiting the last month for the last late to fall off the last bureau showing a baddie...

tag
markbeiser
Established Contributor

How I feel waiting the last month for the last late to fall off the last bureau showing a baddie...

me-waiting-patiently-5b02fa.jpg

Back to gardening until Late February 2025.
Current FICO8:
Message 1 of 5
4 REPLIES 4
JoeRockhead
Senior Contributor

Re: How I feel waiting the last month for the last late to fall off the last bureau showing a baddie

You're in the home stretch! 

Message 2 of 5
805orbust
Valued Contributor

Re: How I feel waiting the last month for the last late to fall off the last bureau showing a baddie

Completely understandable 



Message 3 of 5
Jeffster1
Valued Contributor

Re: How I feel waiting the last month for the last late to fall off the last bureau showing a baddie

No EE?

FICO 8 (3/1/24) EX 805 EQ 824 TU 844
FICO 9 (2/17/24) EX 821 EQ 778TU 850
I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 5K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 15K I Citi Best Buy Visa 10K I Macy’s Amex 4K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 4 of 5
markbeiser
Established Contributor

Re: How I feel waiting the last month for the last late to fall off the last bureau showing a baddie


@Jeffster1 wrote:

No EE?


It's TransUnion, for a 30 day late in 4/16.
I put in an EE request for 30 day lates on the same account in 3/16 and 4/16. The 3/16 one came off immediately, but the 4/16 late is still on the report, and the EE dispute is still open, so I may have to wait until February for it to be removed.
It is the last negative thing I need gone to move up to a better score card.
Once it is gone, my TU score should jump up to either slightly lower than my EX, or between my EX and EQ.
I opened a lot of new accounts in 2022, and have a lot of inquiries, so once that late falls off, i just need some aging to hit the 800s.
Been kinda fun watching the last few baddies drop off my reports over the past 2 months.
1-2.jpgtracker1-11.jpg

Back to gardening until Late February 2025.
Current FICO8:
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.