{"id":6061,"date":"2015-10-12T11:42:49","date_gmt":"2015-10-12T15:42:49","guid":{"rendered":"https:\/\/www.duck9.com\/?p=6061"},"modified":"2015-10-12T11:46:45","modified_gmt":"2015-10-12T15:46:45","slug":"the-adult-marshmallow-test-passing-it-helps-your-fico","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/the-adult-marshmallow-test-passing-it-helps-your-fico\/","title":{"rendered":"The Adult Marshmallow TEST. Passing it helps your FICO"},"content":{"rendered":"<div>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\">By Larry Chiang<\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\">This will make more sense if you&#8217;ve read my &#8220;Marshmallow FICO&#8221; piece.<\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\">Someone who is hopeful the the credit delinquencies will disappear sounds a lot like this&#8230;<\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><i>Good Sunday to you sir. I have a question as I have recently have been trying to attack my credit problems. Admittedly for the last 7 years its been like an avoidance of a terrifying movie. I use to have a credit score of 780. Everything you stated in most of want I&#8217;ve read today seems to be on point. Yet after a career move about 8 years ago and some awesomely destructive assumption a 2 year unemployment or underemployment saw my credit score at one point as low as 400s (didn&#8217;t even know that was possible.) Yeah Iost alot but I had hopes I could get some of my credit worthiness back. Here&#8217;s&nbsp; my question:&nbsp;<\/i><\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><i>On my free credit report I saw something near the bottom of each account that gave a date when a delinquent debt would be removed. Most of the major ones totalling about $60k in consumer debt would or should be removed by the first quarter of next year. Will these removal reflect on my FICO if I am understanding this section correctly? How long will it take if my assumption is correct.&nbsp;<\/i><\/span><\/p>\n<p dir=\"ltr\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><i>Thank you for your time in advance.<\/i><\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang This will make more sense if you&#8217;ve read my &#8220;Marshmallow FICO&#8221; piece. Someone who is hopeful the the credit delinquencies will disappear sounds a lot like this&#8230; Good Sunday to you sir. I have a question as I have recently have been trying to attack my credit problems. Admittedly for the last [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6061","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6061","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=6061"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/6061\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=6061"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=6061"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=6061"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}