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Pleasant surprise....Experian gifted me!

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Senior Contributor

Pleasant surprise....Experian gifted me!

Last week on a discussion here, @ImTheDevil  advised me to call Experian to see if I could talk them into removing a 30 day late from 2012.  I called and was told that since this is an active revolving (TLOC) it will remain reporting until I finally pay it off and reported as closed.  Okay, I understand.....this morning I found that it's gone!  Early too....wasn't supposed (in my mind) to until May 2019.  It is "Poof!" gone from my report and DH's report as well.  Did Experian throw me a bone? I'll take it "ruff ruff"Smiley LOL

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 1 of 8
7 REPLIES 7
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Senior Contributor

Re: Pleasant surprise....Experian gifted me!

Oh gosh!  Forgot to add Thanks @ImTheDevil  I think that phone call made it happen.

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 2 of 8
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Community Leader
Senior Contributor

Re: Pleasant surprise....Experian gifted me!

That’s awesome Smiley Happy make sure you let us know what it does for your score too!



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 3 of 8
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Senior Contributor

Re: Pleasant surprise....Experian gifted me!


@ImTheDevil wrote:
That’s awesome Smiley Happy make sure you let us know what it does for your score too!

Okay, Experian is my lowest score, fingers crossed!Smiley Wink

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 4 of 8
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Frequent Contributor

Re: Pleasant surprise....Experian gifted me!

They will remove accounts within 6 months of the date of removal
Cards in my wallet: Quicksilver One $1,000.00 Merrick Bank $1,500.00 First Premier $1,025.00 Credit One $1,200.00 Kohls $700.00 Victoria Secret $500.00 NY & Company $750.00 Williams Sonoma store card $2,500.00 PayPal Credit $1,500.00 Alphaeon Credit $6,000.00 Fortiva credit 1,000.00. PayPal credit 2,400.00.

src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33675i85072060A7E9ED9F" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">
Message 5 of 8
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Community Leader
Senior Contributor

Re: Pleasant surprise....Experian gifted me!

Experian is actually 3 months. It’s TU that’s six months. But she didn’t have the account removed, just the blemish on it, so she kept the tradeline and its age but had the negative part removed. Complete win Smiley Happy



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 6 of 8
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Frequent Contributor

Re: Pleasant surprise....Experian gifted me!

Okay I stand corrected
Cards in my wallet: Quicksilver One $1,000.00 Merrick Bank $1,500.00 First Premier $1,025.00 Credit One $1,200.00 Kohls $700.00 Victoria Secret $500.00 NY & Company $750.00 Williams Sonoma store card $2,500.00 PayPal Credit $1,500.00 Alphaeon Credit $6,000.00 Fortiva credit 1,000.00. PayPal credit 2,400.00.

src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/33675i85072060A7E9ED9F" border="0" title="Silver Garden Club Member" width="40" height="40" align="right">
Message 7 of 8
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Senior Contributor

Re: Pleasant surprise....Experian gifted me!

yeah, this acct will keep reporting every month cause I'll probably never pay the thing off.  

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 8 of 8
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