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Posted in Credit Report
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Question By
Faerhii

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0 People Helped
Any idea when this will come off my credit report?
Last Reported 

Nov 30, 2015


Creditor Name 

ACME FINANCE CO


Account Type 

Auto


Account Status 

Open


Opened Date 

Jul 27, 2008


Closed Date 

--


Limit 

--


Term 

12 Months


Monthly Payment 

$132


Responsibility 

Individual Account.


Balance 

$379


Highest Balance 

--


Payment Status 

Collection/Charge-Off


Worst Payment Status 

--


Date of Last Payment 

Mar 01, 2010


Amount Past Due 

$1,023


Times 30/60/90 Days Late 

0/0/0


Remarks 

Charged off account

This account came of my TransUnion this month, but I was wondering if anyone had an idea of when it should come off my Equifax? If it is only a few months, I'm fine waiting, but from what I've read it goes off the last payment/charge off date of 3/1/2010, which still leaves +/- 2 years.. Trying to find out if it's best to just let it fall off, or to send a pay for deletion letter..

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Top Contributor
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Most Helpful Response

Helpful to 1 out of 1 people

April 2017

You add one month to the date of your last payment and add seven years

If in doubt you can contact the credit bureau and ask them when it is slated to be removed.

Do some reading on EARLY EXCLUSION too, that can shave off three months with Equifax and Experian and can shave off six months with transunion

Top Contributor
988 Contributions
550 People Helped

It's 7 years from DOFD.  DOFD isn't indicated above.

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