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When does this account fall off?


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Hi folks!  Need some encouragement today.  Checked my FICO 8’s…..TranUnion is 782….Equifax is 770…


Experian? 696


All because of one collection account I paid because the bank (mortgage) wanted and needed me to.


the collection account was opened Jan. 2016, but the Balance was “updated” July 2020 when I paid it.


when does this fall off?  It’s totally ruining my Experian FICO 😕

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You need to pull an official copy of your credit reports to determine the date of the debt. Credit monitoring sites or even the report your mortgage broker pulled won't show you full details. Neither the "date reported" or "date updated" are relevant as to when it will fall off.


You may have other options besides waiting for the new change to take effect, such as:



Follow along carefully for handing paid medical collections reporting paid/$0 balance: https://whychat.me/GUIDE HIPAA PROGRAM.html and direct questions here: https://creditboards.com/forums/index.php?/forum/39-medical-billing-amp-medical-collections/



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