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Can you EE late payments?

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Anonymous
Not applicable

Can you EE late payments?

Can you do an early exclusion for late payments? Is it possible? I have a few 120 days later that are due to fall off in like 6 months.

6 REPLIES 6
RobertEG
Legendary Contributor

Re: Can you EE late payments?

All of the credit report exclusion periods set under FCRA 605(a) are expressed in terms of the maximum period after which exclusion is required.

None prevent exclusion at an earlier date.

Monthly delinquencies have an exclusion period under FCRA 605(a)(5) of no later than 7 years from their dates of occurence.

Yes, the CRA can choose to grant an earlier exclusion.

Message 2 of 7
Anonymous
Not applicable

Re: Can you EE late payments?

Good luck on this!

Message 3 of 7
Anonymous
Not applicable

Re: Can you EE late payments?

Thank you!!!!!! I don't see an option to dispute later online. so I will write a letter asking for early exclusion on the latest. Thank you again.!

Message 4 of 7
Anonymous
Not applicable

Re: Can you EE late payments?

Keep us posted! I wouldn't mind checking into this on a few that I have as well.
Message 5 of 7
gdale6
Moderator Emeritus

Re: Can you EE late payments?

Typically EE is only used on a total derog account and not for late payments in an account though you can try as already stated.

Message 6 of 7
Anonymous
Not applicable

Re: Can you EE late payments?

thank you!. And I adore your quotes by the way

 Very inspirational

Message 7 of 7
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