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Kibure

Deletion Question

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Due to the natural flow of time rather than any hard work one of the credit cards I got when I first got into college is departing my credit report this month. On my Experian report it is already gone. My Transunion report still shows it there. And for reasons I am not sure of yet I can't get my equifax report without sending a bunch of information in. (keeps asking me through online verification about a mortgage. I never have owned property. It's got me a bit worried.)

 

How long do you think it will take TU to get it off there? Through this forum I have gotten alot of inquiries taken off and I am working on accounts now, but this one I don't want to mess with since it's leaving on it's own.

 

Also, I have the other "credit lesson" from my tender teenage years showing as deleting in april of next year. However they took it to court and won a judgement (ah, ignorance). Will the account still show until the judgement drops off? (in Oregon that would be 2013.)

 

And lastly, is there a free way to get fico scores? Or even Fako scores? Don't quite have the free money to subscribe at the moment to a monitoring service.

 

Thanks again!

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And lastly, is there a free way to get fico scores? Or even Fako scores? Don't quite have the free money to subscribe at the moment to a monitoring service.

 

You don't want FAKO's at all.....you only want FICOs.

 

You can subscribe to a free trial of Score Watch from myFICO.com which will give you your actual EQ FICO, and a free 30-days of Score Watch. Go to http://www.myfico.com to sign up. Stay away from the FAKOs, they are worthless....

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Stay away from the FAKOs, they are worthless....

 

I will take your word for it. I was just wanting ballpark figures. myfico requires a cc, don't they? Unfortunately I am not able to get a bank account at the moment. Long story made short, disputes can cause all sorts of unexpected problems. Now I am hopefully wiser and working on fixing it.

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