Long time reader, first time poster.
I have had two (paid off) student loans weighing down my credit profile for the past few years.
I received a pleasant surprise last week when myfico.com* email me to report a score watch change. I logged in and to my absolute surprise my score had increased from 688 to 771 overnight. The email stated a few reasons why this may occur, one being negative accounts aging off. I then decided to pay the $20 ($19.99*) for my transunion score/report and BOOM - 689 to 782. I checked the accounts and sure enough my student loans had aged off. I assume this happened to my Equifax report as well.
My next step was to log into my Experian.com account*, expecting to see the same. Nothing (stuck at 638). Because they allow you to refresh your report/score daily, I have been doing so daily for the past week +. No change, the two student loans are still there, like a sack of potatoes.
What could be causing this? Is it simply a case of 3 private companies, with 3 different polices? It is frustrating because I would like to apply for a prime card (CSP, AMEX Gold, etc.) and take advantage of a sign up bonus. (I currently have BOA 3,2,1 and Cap One Vent, all via rebuilder card upgrades)
Should I dispute via my experian report or just keep waiting patiently.....
*in the market for a mortgage. I have been paying for score/report services for the past 3-4 months.
