Aging Delinquencies

[Anonymous]

@credit_enduranceCongratulations!!!!!!

How severe was the late may I inquire? And what is your total number of accounts (open and closed), your oldest account and youngest revolver please? (For DPs sake.)

[credit_endurance]

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@Anonymous wrote:

@credit_enduranceCongratulations!!!!!!

How severe was the late may I inquire? And what is your total number of accounts (open and closed), your oldest account and youngest revolver please? (For DPs sake.)

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The last late was 120 days past due (so very impacting)

Total accounts opened around 37-39 depending on the bureau. And roughly the same total closed. I have been very active in my rebuild.

Oldest account is probably around 14 years old now (which are the student loans reporting)

Oldest revolver is 5 yrs. Youngest around 1 month.

Hope that helps. 😀

[Anonymous]

Yep, thanks! Means you went to clean/thick/aged/new acct. scorecard! Basically #2 card. More points at AoYR=12 months! Congrats!!!

[credit_endurance]

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@Anonymous wrote:
Yep, thanks! Means you went to clean/thick/aged/new acct. scorecard! Basically #2 card. More points at AoYR=12 months! Congrats!!!

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Thanks so much!!!

[Anonymous]

That’s when you will experience scorecard reassignment to the number 1 card! Think of it as a promotion 😉! Congratulations in advance, look forward to 10-20 more points!

[Anonymous]

Idk if eq is being generous cause of covid or what but they have begun the process of deleting my lates from 2013 they are already up to having november removed looks like I got an extra month time shall tell if they will stay a month ahead or not

[Anonymous]

Congratulations!

[VanderSnoot]

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@Anonymous wrote:

Idk if eq is being generous cause of covid or what but they have begun the process of deleting my lates from 2013 they are already up to having november removed looks like I got an extra month time shall tell if they will stay a month ahead or not

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 OP here. EQ did the same for me. It deleted 3 months ahead until the last delinquency, which was removed 4 months ahead.

Congrats. Enjoy the clean slate.

[Anonymous]

Congratulations as well

[Anonymous]

Just to echo @Chandler's experience EX removed a 60 day late dated Nov 13 yesterday!

Any experiences on when TU and EQ would do the same? On that note, correct if I am wrong,  but if it could take up to 7.5 years before the derog will delete - does that happen and how often? 

As always, TY all!