Thank you, Experian!

Anonymous · ‎06-25-2015

Today I spent most of an hour on the phone with Experian. There was an old account from my Chapter 13 still showing. In their written report to me it showed that the account would fall off in February of 2016, but it is already more than seven years old. I spoke to two people and the second person agreed with me that that single account should have fallen off with all the others in May. Also, there was a note about a derogatory account. Evidently this was the one, so she agreed to remove that note as well!

She is sending me an email about our conversation so I am anxious to get it to believe this is real. This score has been a hundred points below my other scores. I hope to see a change there, too.

I'll keep you posted. Best of luck to all of you who have similiar problems!

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/19-FICO: EQ - 782; TU - 769; EX - 681; GOAL: 780 across the board. Gardening until further notice.

NRB525 · ‎06-27-2015

Congratulations! That will indeed be a nice boost, hopefully sooner than Feb 2016 when it would arrive anyway.

Good luck!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎06-27-2015

@NRB525 wrote:
Congratulations! That will indeed be a nice boost, hopefully sooner than Feb 2016 when it would arrive anyway.
Good luck!

Thank you! There was a derogatory note on my file, too, connected to this. I was more interested in this falling off as it is keeping my score lower. Nothing has happened yet. I'll wait a few days then call again.

I was able to dispute online the two old AmEx accounts showing on my Equifax account that should have dropped off. It is currently under investigation. We'll see. These are the last remaining negatives showing that I can do something about. I don't mind the extra effort of calling if it cleans my reports sooner.

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/25-FICO: EQ - 789; TU - 776; EX - 681; GOAL: 780 across the board then 800. Gardening until further notice.