When does this drop?

2 years ago

Sun Sep 04, 2022 8:24 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 45 minutes Next Level in18 days, 3 hours, and 15 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 45 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 45 minutes ago

I can't recall which agency drops entire string (no interruption) or per month delinquencies.

Maybe it's Experian that removes it monthly? EQ and TU will remove entire string of delinquencies?

So starting from June 2016, add 7 years to first removal date. Eg June 2023 (not to exceed 7 years + 180 days).

Hopefully, other members can advise.

2 years ago

Sun Sep 04, 2022 9:55 pm

Credible

Seasoned Rebel

Credible has been gardening for over 2 years.
Credible has achieved the Garden Goal !!

Level29 Last INQMonday, March 28, 2022 Gardening For2 years, 5 months, 10 days, 20 hours, and 45 minutes Next Level in20 days, 3 hours, and 15 minutes on September 28th INQ 1yr onTuesday, March 28, 2023 INQ 1yr reached1 year, 5 months, 10 days, 20 hours, and 45 minutes ago INQ 2yr onThursday, March 28, 2024 INQ 2yr reached5 months, 10 days, 20 hours, and 45 minutes ago Goal24 months Goal DateThursday, March 28, 2024 Goal Achieved5 months, 10 days, 20 hours, and 45 minutes ago

AllZero wrote: ↑Sun Sep 04, 2022 8:24 pm I can't recall which agency drops entire string (no interruption) or per month delinquencies. Maybe it's Experian that removes it monthly? EQ and TU will remove entire string of delinquencies? So starting from June 2016, add 7 years to first removal date. Eg June 2023 (not to exceed 7 years + 180 days). Hopefully, other members can advise.

To quote the Primer: With strings, it depends on bureau. "...Experian...excludes...delinquencies in a common “string”...at 7 years from [DOFD]...[t]he other two CRAs have no official, published policy interpretation, and have...excluded based on [DOFD] OR have treated each...delinquency as its own separate adverse item of information, and thus have not excluded...until each has reached...7 years..." [1

2 years ago

Sun Sep 04, 2022 10:33 pm

AllZero

Outlier

AllZero has been gardening for over 2 years.

Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 45 minutes Next Level in18 days, 3 hours, and 15 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 45 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 45 minutes ago

Credible wrote: ↑Sun Sep 04, 2022 9:55 pm To quote the Primer

Thank you for the clarification!