I'm a newbie, so bear with me! Which date on my credit report is used for determining when it will drop off? I have one of the 3-1 reports and I'm not sure which one it is. I had a credit card that went to collections in 1999, but the OC date of last delinquency keeps changing month to month. Does this sound right? Any help would be greatly appreciated!
Ok... I don't show a date of last activity on this report. Just date opened, last reported, last delnq and hist date... do any of those dates apply as to when it will drop off? If not, where can I order a report that will show the date of last activity? Thx again!
Okay, well it's definately not "date opened", or "last reported". It sounds like it's the "last delinquent" date. But I can't be sure. As far as ordering separate reports that will be much easier to understand: Experian offers a service called creditexpert. They give you a free 30-day trial access. You can pull a new report every 24 hours, get your score, dispute, etc. After the 30 day trial, it's $69.95 a year (I believe). If you don't want to pay, just cancel on day 27.28. You can find it here: www.experian.com Equifax offers a service called creditwatch. They give you a free 30-day trial access. You can pull a new report every 24 hours, get your true FICO score, dispute, etc. After the 30 day trial, it's $59.95 a year (I believe) you can check for yourself at www.equifax.com . If you don't want to pay, just call them and cancel on day 27, or 28. Transunion does not offer a service like EX and EQ. However, you can still pull your report online for free and have access to it for 6 days. Go to www.transunion.com . You just need to say you've been denied credit/employment/insurance in the last 60 days. Once you're in, you'll have access to dispute, and you'll get your TU score. It's not really accurate though, so don't worry if it's way below your EX and EQ scores. Also, during the 6 days access timeframe you have, it's the same report each day, unlike EX and EQ where every 24 hours, it's an updated report.
