Drop off date different with different CRAs?

Anonymous · ‎09-30-2008

My Cap1 fell of Epxerian as they said it would on the report end of September.

However all three CRAs list activity the same;

Experian Date of last activity [?] Jun, 2002 Date of last payment [?] Dec, 2001
Efax Date of last activity [?] Dec, 2001
TU Date of last activity [?] Dec, 2001

and interestingly enough, when I checked my actual statements, Experian got it right (12/01 was not DOLA)

DO they use different formulas or can I hope/count on Cap1 falling off the other two soon.

Way pysched!

Anonymous · ‎09-30-2008

They will/should all drop at the same time. They should all be gone by January. Lucky you!! Where's that fast forward button for some of my derog accounts??

Anonymous · ‎09-30-2008

@Anonymous wrote:
They will/should all drop at the same time. They should all be gone by January. Lucky you!! Where's that fast forward button for some of my derog accounts??

Well if that's the case then October should be the good month, as Cap1 dropped off of Experian as of today. WooHOO!!!

What s-ucks is I've worked overtime to get personal credit profile as perfect as possible (close) and start to build a business profile so I can get LOC's in January (at which time my website I spent 4 years on should be done and ready for financing to go live and I should have 99%-100% clean reports in the mid-700s)

It looks to me like no one is getting credit in the near future unless they don't need it at all.

Anonymous · ‎09-30-2008

nyccc2 wrote:

It looks to me like no one is getting credit in the near future unless they don't need it at all.

Glad I'm closing on my house next Tuesday!!

Keep in mind, though - negative items fall 7-7.5 years from DOFD. I had one negative item fall off one credit report last month, it's not due to fall off until November - I'm still waiting for the other to reports to drop them as well. I'll start getting antsy in my pantsy in December.