need help ...please tell me when will this come off my rept its been 8yrs

[21FOOTBALFIELDS]

Vehicle Loan Account Fairlane/Sst

Status as of [?] May, 2006 Date opened [?] Jul, 2000 Date of last activity [?] May, 2006 Date of last payment [?] Not Reported Date closed [?] Not Reported Account number [?] XXX7143 Loan type [?] Auto Loan Credit limit [?] Not Reported Largest past balance [?] Not Reported Terms [?] 54 Months Account Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] Not Reported

Descriptions [?]None on Record

No contact information provided by Experian

Balance [?] Current Status [?] Past Due Amount [?] Not Reported Account transferred to another office Not Reported Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 1 time (May 2006) Recent payment history [?] 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 2004 2005 2006 Legend: Unknown   Collection Worst Delinquency [?] Charge Off, Collection, Or Bankruptcy The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO score.

[Anonymous]

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@21FOOTBALFIELDS wrote:
Vehicle Loan Account Fairlane/Sst

Status as of [?] May, 2006 Date opened [?] Jul, 2000 Date of last activity [?] May, 2006 Date of last payment [?] Not Reported Date closed [?] Not Reported Account number [?] XXX7143 Loan type [?] Auto Loan Credit limit [?] Not Reported Largest past balance [?] Not Reported Terms [?] 54 Months Account Type [?] Installment Account holder [?] Individual Scheduled payment amount [?] Not Reported

Descriptions [?]None on Record

No contact information provided by Experian

Balance [?] Current Status [?] Past Due Amount [?] Not Reported Account transferred to another office Not Reported Seven year payment history [?] 30 days late 0 times 60 days late 0 times 90+ days late 1 time (May 2006) Recent payment history [?] 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 2004 2005 2006 Legend: Unknown   Collection Worst Delinquency [?] Charge Off, Collection, Or Bankruptcy The Worst Delinquency reports the worst missed payment status that has been documented on this account. Your FICO score evaluates how recently that missed payment occurred and in general, the more recent, the more impact it has on your score. However, the fact that it occurred is still predictive of future payment risk and could be considered by your FICO score.

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It won't fall off 7.5 years from when you opened it.... it will fall off AROUND 7.5 years from your DOFD  since it says you were 90+ days late in May 2006 - I assume that is when it was charged off so around Feb or May of 2013

[Junejer]

21acres, if I were you, I would check my own records for DOFD. It shows DOLA of May '06, but not DOFD. Besides that, the vehicle loan was nearly six years old at DOLA, when the term was 4.5 years? Definitely check out your own records.

[21FOOTBALFIELDS]

thanks for the reply just to give a little history, thiks is a loan i defualted on almost right away,because i did not have insurance on the car ( stupid stupid )its funny because this shows on my exp which is upto 760,,,im scared to dispute becuz i dony want my score to change but this shows on my trans as last dola being in 2003 which seems more accurate,,,anyway on my eq shows the judgment which ive paid ,,,should i bother to dispute my exp it seems like this acccount has vey little influence on my score  .....exp 760   tu   735    equ  684

[athensguy]

If possible, could you show us what it looks like from a report directly from EX? (Don't buy the score, but the report is better than the report here).