Data Points for Specific Fall Off Dates

[MasonK]

New interesting DPs for falloff on EQ. As a reminder, this is a string that is dropping one by one. There is no "Will be removed on x-Date" notation on the reports.

January 2022- The last 9 lates are all there.

2/6/22- First Sunday of the month, the March late payment drops off 3 months early as I predicted based on prior experience on this project with other lates from 2014. Nothing unusual here.

3/6/22- I was expecting ONLY the June late to go away, but it dropped June AND July!

Not sure why EQ dropped two months, but another solid DP that EQ drops 3 months in advance when it is not a DOFD-controlled string. 

[W261w261]

Great DP's, thanks.  Virtually the only blot on my reports is a CO that will go away in 3 long years. I saw a graph that basically said the penalty from that CO will not substantially reduce until it falls off.  Did you notice anything that could lead you to believe that as you got closer to the 7 year mark, that the CO's impact was lessening?  Looks like I'm going to be stuck at 740 or so for the forseeable future, AZE2, SSL, and anything else I can do notwithstanding.

[MasonK]

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@W261w261 wrote:

Great DP's, thanks.  Did you notice anything that could lead you to believe that as you got closer to the 7 year mark, that the CO's impact was lessening?  Looks like I'm going to be stuck at 740 or so for the forseeable future, AZE2, SSL, and anything else I can do notwithstanding.

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TU... sort of. EX and EQ... not really. I've removed a lot of the notes to clean up the noise, but you'll see that EX topped out in the low 700s until my foreclosures were removed and then it was >70 points increase. My EQ score didn't really budge when I lost the FCLs or the first round of student loans and never got beyond the 740-760 range with 120+ day lates on record.

Date	Experian	Equifax	TransUnion	Notes
1/1/16	407	403	455	>150 lates, 2 FCL, 2 Judgements. FCL Had just re-aged even though it was 2 years old.
2/25/16	412	428	480
3/25/16	417	478	530
4/25/16	422	504	556
5/25/16	442	504	556
6/25/16	458	519	571
7/25/16	504	536	588
8/25/16	506	513	565
9/25/16	521	531	583
10/25/16	551	584	590
11/25/16	619	647	595	CapOne
12/25/16	609	637	600
1/25/17	609	638	613
2/25/17	660	659	635
3/25/17	671	674	643	Discover
4/25/17	671	663	693
5/25/17	671	663	687
6/25/17	672	675	697
7/25/17	672	682	708
8/25/17	670	680	698
9/25/17	670	681	699
10/25/17	660	685	693
11/25/17	667	675	697
12/25/17	654	677	686
1/25/18	665	688	688
2/25/18	665	682	702
3/25/18	678	684	691
4/25/18	678	691	691
5/25/18	689	690	709
6/25/18	679	699	709
7/25/18	692	700	714
8/25/18	692	698	714
9/25/18	692	694	704
10/25/18	680	695	693
11/25/18	693	698	693
12/25/18	683	701	704
1/25/19	687	702	707
2/15/19	687	702	707
3/15/19	687	702	707
4/17/19	687	702	707
5/15/19	687	703	708
6/15/19	687	703	707	Amazon Card
7/15/19	683	696	700	USAA Auto Loan
8/15/19	682	698	696	Apple Card
9/15/19	697	698	698
10/23/19	702	704	700
11/21/19	702	704	709
12/21/19	700	704	714
1/21/20	697	703	716	Sapphire
2/21/20	697	704	713
3/22/20	706	696	716
4/22/20	706	704	727
5/20/20	709	706	727
6/20/20	709	706	727
7/20/20	710	709	729
8/19/20	706	709	730
9/18/20	711	710	726	SLs fall off EX
10/18/20	712	710	726
11/17/20	712	710	726
12/17/20	713	710	726
1/20/21	794	711	731	EX FCL Removed
2/21/21	794	728	753	Amex Plat/ TU-EQ FCL Fall off
3/9/21	785	728	753
4/8/21	794	730	760
5/8/21	792	723	751
7/1/21	795	734	752	SL 1&2 Fall off EQ/TU
8/1/21	795	734	752	Amex Gold
9/1/21	795	734	752
10/1/21	794	741	760
11/1/21	797	738	761
12/1/21	797	738	761
1/1/22	790	740	761
2/1/22	797	740	761
3/3/22	808	742	804	3 EQ Student Loan lates fall off FO / all TU Student loans lates removed.

[W261w261]

Big thumbs up for you record keeping!