another neg just fell off

Your credit score will definitely improve once the negative items gets removed from your report. But it is very difficult to say how much your score will improve, as it depends on the FICO algorithm.

Very true. It will improve but it's difficult as to say how much your score will go up.

The positive thing is that the negs are stating to fall off. So as long as you continue to pay everything on time it will continue to go up each month.

have you ordered your FICO scores directly from the myFICO.com website? That is the only way you can see and monitor what is going on with your credit scores.

do you have a goal in mind? Are you trying to buy a home and need a mortgage, refinance, or finance a car?

no major asset goal, just trying to clean credit report up to a decent score for better car insurance rates..

Speaking of negative accounts falling off your credit? I'm new to the credit thing because my credit have been shot for so long, but if you have negative accts for a long time and have never pd them off (maybe the co. charged the acct off, etc.)

Will the negative accts still fall off?

They will fall off after 7 1/2 years. If you find that they are still on there you can dispute them to have them removed.

Thanks for the info. Is that 7 1/2 years from the date the acct was first open or the date the acct was negatively reported on your credit report?

The date the account last reported.

Brandy, that is incorrect. The 7.5 year reporting period begins with the DOFD, not DOLA. DOFD would be the date you missed your first payment and never brought the account current. DOLA would be the last update by the data furnisher.

I guess what I meant to say was the date the account was last reported delinquent. I should have added more to the post. Thanks for adding more.