Charge Off Due to Fall Of Feb 2015 - Too Early to ask for exclusion

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CO due to fall off Feb 2015.....Is it to early to as for an early exclusion from TU, I know EQ and EX probably won't budge, think I have a chance with TU or should I wait until later?

[olive_oyl]

I called TU about two I have that are due to fall off April '15 and June '15. I'm waiting for the response. EX didn't want to even discuss it but I'm going to call back and maybe I'll get someone willing to help. It doesn't hurt to try.

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@olive_oyl wrote:
I called TU about two I have that are due to fall off April '15 and June '15. I'm waiting for the response. EX didn't want to even discuss it but I'm going to call back and maybe I'll get someone willing to help. It doesn't hurt to try.

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Please let me know how it goes..I hope it works for me too...lol!

[Anonymous]

this might be a little late, but how did it go for you? I have 2 C/Os that are set to fall off 3/15 and I have been wanting to ask for a Early Exclusion but been nervous. I was thinking about writing TU a letter asking for a Early Exclusion of the two charge offs. I think the one thing that scares me most is both accounts are from First Premiere and Im scared they will take my request as a dispute and it will open up a can of worms.

[Anonymous]

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@Anonymous wrote:
this might be a little late, but how did it go for you? I have 2 C/Os that are set to fall off 3/15 and I have been wanting to ask for a Early Exclusion but been nervous. I was thinking about writing TU a letter asking for a Early Exclusion of the two charge offs. I think the one thing that scares me most is both accounts are from First Premiere and Im scared they will take my request as a dispute and it will open up a can of worms.

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You don't need to mail a letter about it.. You would call until you get someone that will do it.

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@Anonymous wrote:
this might be a little late, but how did it go for you? I have 2 C/Os that are set to fall off 3/15 and I have been wanting to ask for a Early Exclusion but been nervous. I was thinking about writing TU a letter asking for a Early Exclusion of the two charge offs. I think the one thing that scares me most is both accounts are from First Premiere and Im scared they will take my request as a dispute and it will open up a can of worms.

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Funny you should ask it was deleted last week. I put in the request 8/27/14 and it was completed 9/23/14, I did it via the online dispute request. i just selected too old please remove and they did. I have two more but they are due to fall off until 2018, that may just be a tad to early to request removal. Doing it by phone never worked for me. 

[xosamandaxo]

"Funny you should ask it was deleted last week. I put in the request 8/27/14 and it was completed 9/23/14, I did it via the online dispute request. i just selected too old please remove and they did. I have two more but they are due to fall off until 2018, that may just be a tad to early to request removal. Doing it by phone never worked for me. "

Was that Transunion? I didn't think you could get early deletion with EQ or EX with online methods.

I have 3-4 negative student loan trade lines (now in good standing with other lendors) up for deletion 04/2015 and 05/2015. I have have a credit card charge off due to fall off 10/2015. I plan on calling in Dec/Jan for the school ones, and I'll call about the charge off in June/July. (although would be amazing if they would delete 9 months early)

[Whitneyy]

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@xosamandaxo wrote:

"Funny you should ask it was deleted last week. I put in the request 8/27/14 and it was completed 9/23/14, I did it via the online dispute request. i just selected too old please remove and they did. I have two more but they are due to fall off until 2018, that may just be a tad to early to request removal. Doing it by phone never worked for me. "

Was that Transunion? I didn't think you could get early deletion with EQ or EX with online methods.

I have 3-4 negative student loan trade lines (now in good standing with other lendors) up for deletion 04/2015 and 05/2015. I have have a credit card charge off due to fall off 10/2015. I plan on calling in Dec/Jan for the school ones, and I'll call about the charge off in June/July. (although would be amazing if they would delete 9 months early)

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If you do "too old to be on file" you can.

But for the OP, Transunion has deleted 6 months early for me. I had to call a few times and they called my request a dispute (which I didn't mind) and it was done. 

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@xosamandaxo wrote:

"Funny you should ask it was deleted last week. I put in the request 8/27/14 and it was completed 9/23/14, I did it via the online dispute request. i just selected too old please remove and they did. I have two more but they are due to fall off until 2018, that may just be a tad to early to request removal. Doing it by phone never worked for me. "

Was that Transunion? I didn't think you could get early deletion with EQ or EX with online methods.

I have 3-4 negative student loan trade lines (now in good standing with other lendors) up for deletion 04/2015 and 05/2015. I have have a credit card charge off due to fall off 10/2015. I plan on calling in Dec/Jan for the school ones, and I'll call about the charge off in June/July. (although would be amazing if they would delete 9 months early)

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It was via Transunion, EQ and EX are very stubborn and won't budge. 

[Anonymous]

I called TU today and asked for a early exclusion, and the lady said she doesn't know what I'm talking about. I then asked about an early removal and she said I needed to contact the OC :/

I feel so silly when I call and they tell me no.