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Had a 30 day late from 2014 drop off my report

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Valued Member

Had a 30 day late from 2014 drop off my report

Like the subject says, i had a 30 day late drop of my report, but its less then 4.5 years old, any idea why this would have dropped off? doesent it take 7+ years?

**trying to garden**
MYFICO 8 scores as of 1/5/19 EQ 661 TU 655 EX 659
CARDS
CAP1 QUICKSILVER - 9K
CAP1 QUICKSILVER ONE - 1000 (finally grew, still cant wait to quit you)
DISCOVER IT CASHBACK - 3.1K
MIL STAR - 7.2K
TREK CREDIT CARD - 16.5K
PENFED POWERCASH - 5K (My new daily driver, cuz 2% cashback)
PENFED PLATNIUM REWARDS -5K
NFCU CASH REWARDS - 8.1K
USAA RATE ADVANTAGE - 6K
USAA PREFERRED CASH REWARDS - 6K
Message 1 of 4
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Super Contributor

Re: Had a 30 day late from 2014 drop off my report

Not necessarily.  7 years is more or less the standard, but there are plenty of examples of negative items getting removed sooner for various reasons.  Is this your only negative item, or do you have others?  Did it dropping off positively impact your scores at all?

Message 2 of 4
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Valued Member

Re: Had a 30 day late from 2014 drop off my report

Well last month something dropped off my transunion, but i had several cards report balances, and my score dropped 3 points. Today i had and update report lowering my balance by 1800 dollars and a derog removed from my account, and the score jumped 8 points, so hard to say what caused the bump. Will compare my next 3b on november 15th to my october 15th to pinpoint the actual derog that fell off. 

**trying to garden**
MYFICO 8 scores as of 1/5/19 EQ 661 TU 655 EX 659
CARDS
CAP1 QUICKSILVER - 9K
CAP1 QUICKSILVER ONE - 1000 (finally grew, still cant wait to quit you)
DISCOVER IT CASHBACK - 3.1K
MIL STAR - 7.2K
TREK CREDIT CARD - 16.5K
PENFED POWERCASH - 5K (My new daily driver, cuz 2% cashback)
PENFED PLATNIUM REWARDS -5K
NFCU CASH REWARDS - 8.1K
USAA RATE ADVANTAGE - 6K
USAA PREFERRED CASH REWARDS - 6K
Message 3 of 4
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Established Contributor

Re: Had a 30 day late from 2014 drop off my report

Was it replaced with anything for the month that the late had originally been reporting?  Is it gone from all of the bureaus it was reporting to?
It might be gone for good, and then again there is a possibility that it may re-appear down the road until the reporting time frame for it expires.

 

I can't speak for lates, but I have seen amounts differ on a tradeline across the 3 bureaus, and all had the same status/update date.

 

Good luck, hopefully it was a gracious act of good will from your creditor



Chapter 7 Discharged & Closed Jan 2020
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