If you chose to pursue an earlier exclusion, it is really not a disputeable matter until the derog has actually passed its max credit report exclusion period.
For a charge-off, that would not be until after 7 yrs plus 180 days from the reported DOFD.
It is really simply a request for their administrative action at an ealier time.
Sending disputes is apt to result in an overall CRA review an possible crackdown on such requests, and something I would discourage.......
