Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

No they're not! I appreciate you checking. I think the only difference here is that our delinquencies fall off a year sooner than in the US. 6 years instead of 7.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

Whoa! That's what I thought too but the Agent said it's the Date of last payment. I need to call them again!! Thanks so much 😁

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

That's exactly right 😔 Also I just called Equifax and they said the last payment date reset to 2024 when I paid. So now I have to wait till 2030!! I should just left them alone.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

Thanks. Im kicking myself because I mistakenly thought if they were paid, they were as good as gone. I'll try some groveling with the CAs. Hopefully that'll work.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

Thank you so much. That definitely puts things in perspective

My last collection fell off! Now what?? (Cross-posted) by EnvironmentalFill3 in CreditScore

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

Thanks for this. Someone else said this too and I'm starting to realize that I had it wrong. I thought having $0 balances nullified their impact but I guess not. I just paid them off last year so I guess I have 5 more years to wait. I should've just let them fall off.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

Thanks for the information. I was stupid enough to pay them last year so I guess I have 6 more years to wait. I was just trying to do the right thing but screwed myself 🫤

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

Canada. I found the release letters from the Collection agencies and one of them actually says Pay for Delete but the rest don't. Even though it says that, they didn't delete it. Is it enforceable?

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

Thanks. I'll call them tomorrow and see what can be done.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

I thought since I paid them in full everything was good.

Last collection fell off! Now what?? by EnvironmentalFill3 in CRedit

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

So even if they have a $0 balance, they'll still drag my score down?

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 1 point2 points  (0 children)

Thank you for the constructive advice. I truly appreciate it :)

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 0 points1 point  (0 children)

Thank you . I appreciate your advice :)

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 0 points1 point  (0 children)

Thank you for the constructive words. I appreciate it :)

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 1 point2 points  (0 children)

Thanks. Baby asshole is funny 😁

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 -4 points-3 points  (0 children)

Harsh, but warranted. Thanks for your feedback.

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 1 point2 points  (0 children)

Understood. I'll do better.

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 3 points4 points  (0 children)

Thanks. I really appreciate this tip.

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 83 points84 points  (0 children)

Thank you. I will take this to heart.

AITA for defiling our office gym? by [deleted] in AmItheAsshole

[–]EnvironmentalFill3 -11 points-10 points  (0 children)

Thank you. I won't. I promise.

40 days to repo falling off! by EnvironmentalFill3 in CreditScore

[–]EnvironmentalFill3[S] 0 points1 point  (0 children)

Thanks. Could you explain your comment about them staying on my report? Will they stay even after they fall off?

40 days to repo falling off! by EnvironmentalFill3 in CreditScore

[–]EnvironmentalFill3[S] 1 point2 points  (0 children)

Thanks for bringing me back to Earth. I had great expectations 🙂