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Collection removed early....

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LesWH
Established Contributor

Collection removed early....

I had a collection on my Experian report.  I was successful in getting this collection removed from Equifax and TransUnion a while ago.  It was scheduled to age off Experian in April 2013.  I called Experian today and asked if they could take it off earlier than April 1, 2013.  The csr said he would send a message to their system to have it removed early, but couldn't guarantee anything.  I logged back into my Experian report and it is gone!  I don't know how much that will improve my Experian score, but now I am free from any collections on all three of my credit reports!! Woman Happy


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Message 1 of 8
7 REPLIES 7
newhouse2013
Regular Contributor

Re: Collection removed early....

WOOHOO!!! congrats Smiley Happy


Starting Score: 529
Current Score: EQF 643, TU 677 EXP 631,Lender Pulled Aug 2, 2013 EX 665, TU 664 and EQF 643
Goal Score: 701



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Message 2 of 8
Anonymous
Not applicable

Re: Collection removed early....

Nice!  You see, this is why it never hurts to ask!  well ... usually Smiley Happy  Congrats!

Message 3 of 8
DaBears
Senior Contributor

Re: Collection removed early....

If its a paid collection, congrats!!!! If it's unpaid it might pop up again if its within the CRTP. Seen a lot of posters think onces collections fall off their history. Not true at all. Just gets put in your file until paid. 

Message 4 of 8
guiness56
Epic Contributor

Re: Collection removed early....

Are there any more major derogatories on your CR?  If not you will be rebucketed and possibly see a drop in score.  It could go either way.

Message 5 of 8
Cadillac-XTS
Established Contributor

Re: Collection removed early....

Congrats

Message 6 of 8
LesWH
Established Contributor

Re: Collection removed early....

No more major derogs on any of my reports.

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 7 of 8
LesWH
Established Contributor

Re: Collection removed early....

It was removed 12 days early. It was due to fall off April 1.

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 8 of 8
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