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

markbeiser
Regular 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



Gardening until January 2024, or until all 3 FICO8 scores are >800, whichever comes LAST.
Gardening since January 10, 2023
Message 1 of 5
4 REPLIES 4
JoeRockhead
Valued 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
Established 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 (1/17/23) EX 720 EQ 717 TU 730
FICO 9 (1/17/23) EX 730 EQ 764 TU 750
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.

Current lineup as of 3/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One Quicksilver MC 3K | Capital One Walmart MC 2K | NFCU Amex 10.5K | Bread Financial American Express 7K l AAA Daily Advantage Visa Signature 5K I Wells Fargo BILT World Elite MC 30K I UCLA Wescom CU Rewards Visa 7K
Message 4 of 5
markbeiser
Regular 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.
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Gardening until January 2024, or until all 3 FICO8 scores are >800, whichever comes LAST.
Gardening since January 10, 2023
Message 5 of 5
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