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Early exclusions

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Anonymous
Not applicable

Early exclusions

Hi all - Can you request early exclusions from debts that are still listed on my credit report (that are listed prior to my chapter 13 filing) or is it best to request an early exclusion only when its time for the BK to be removed (post 7 years)?  Thank you for your answers or advice - you guys rock!

 

Filed date 9/24/05, DC date 9/24/15

Message 1 of 6
5 REPLIES 5
gdale6
Moderator Emeritus

Re: Early exclusions


@Anonymous wrote:

Hi all - Can you request early exclusions from debts that are still listed on my credit report (that are listed prior to my chapter 13 filing) or is it best to request an early exclusion only when its time for the BK to be removed (post 7 years)?  Thank you for your answers or advice - you guys rock!

 

Filed date 9/24/05, DC date 9/24/15


You can request TU 6 months out and the other 2 at 3 months, there is no reason to wait for the BK to actually drop off. Good luck Smiley Happy

Message 2 of 6
TRC_WA
Senior Contributor

Re: Early exclusions


@gdale6 wrote:

@Anonymous wrote:

Hi all - Can you request early exclusions from debts that are still listed on my credit report (that are listed prior to my chapter 13 filing) or is it best to request an early exclusion only when its time for the BK to be removed (post 7 years)?  Thank you for your answers or advice - you guys rock!

 

Filed date 9/24/05, DC date 9/24/15


You can request TU 6 months out and the other 2 at 3 months, there is no reason to wait for the BK to actually drop off. Good luck Smiley Happy


My plan exactly... TU in October... EX and EQ next Jan...

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 3 of 6
Anonymous
Not applicable

Re: Early exclusions

I spoke to EX on Friday, My last baddy is scheduled to drop in august. The very nice lady said the earliest I could get it off was february. It is a weird baddy (collection for parking tickets on a car that was parked in a garage with no village sticker that I never actually got tickets for) So the DOFD may be funky, but she was very clear that FEB was the first I could get it off. She actually apologized that it was only a week away...so you may want to try EX even a shade earlier. TU deleted today, request also made on friday.

Message 4 of 6
Anonymous
Not applicable

Re: Early exclusions

and I meant filed date 9/24/10; D/C date is 9/24/15Smiley Wink

Message 5 of 6
Gunslinger4u
Valued Member

Re: Early exclusions


@gdale6 wrote:

@Anonymous wrote:

Hi all - Can you request early exclusions from debts that are still listed on my credit report (that are listed prior to my chapter 13 filing) or is it best to request an early exclusion only when its time for the BK to be removed (post 7 years)?  Thank you for your answers or advice - you guys rock!

 

Filed date 9/24/05, DC date 9/24/15


You can request TU 6 months out and the other 2 at 3 months, there is no reason to wait for the BK to actually drop off. Good luck Smiley Happy


Not so for me.  I have a BK that is scheduled to drop 04/15 (next month), and they refused to early exclude it!  The other CRA's (Ex and Eq), arbitarily dropped it almost 3 years ago (at the 7 year mark), without my requesting it.  But TU is standing firm until the 10 year mark, and it wasn't even discharged, as I had it voluntarily dismissed!

 

I hate Transunion!

 

 

Message 6 of 6
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