One More Negative to Fall Off.... But When??

[kberly69]

I had a few negatives (late payments) on all my reports and have watched as all but one has fallen off of my reports. I still have a Children's Place negative on my TU report. This same account dropped off of EQ and EX several months ago (like late summer/early fall). According to my TU report, it should fall off next month, but when I look at my 3B report from MyFico, it says the negative is 6 years and 7 months old, making it seem like July is the time.

So, which is it? Should I complain if it's still there after March or just ride it out until July?

And, bonus question:  why would the date vary so much according to the bureau? I had one fall off TU earlier than the rest by almost a year so I don't get the impression it has to do with only TU hanging on to these to the bitter end. 

[AllZero]

Call up Transunion. Front line csr may be able to assist for EE. If not, you will need to speak with a supervisor.

7 year (plus 180 days) mark is the DoFD exlusion date. You can request for EE Early Exclusion on your derogatory / delinquency from:

TransUnion  - 6 months early.

Experian  - 3 months early.

Equifax  - 1 month early. I would not recommend requesting EE. Let derogatory / delinquency fall off naturally.

[kberly69]

 A few minutes ago I got a notification from MyFico- I went in and my TU score jumped 43 points!!! They dropped the negative- yahoooo!!!

[AllZero]

Congratulations on your success!

[Anonymous]

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@kberly69 wrote:

 A few minutes ago I got a notification from MyFico- I went in and my TU score jumped 43 points!!! They dropped the negative- yahoooo!!!

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Congratulations on your success! 👍

[donkort]

Excellent score bump!

[tgwells]

Why would you leave Equifax negatives to fall off naturally?

[AllZero]

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@tgwells wrote:

Why would you leave Equifax negatives to fall off naturally?

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Data points show horror stories.

1 month wait should not be too long. If one were to allow EQ intervention, things may go wrong.