Wow, nobody is going to be able to wipe the smile from my face today! I woke up and updated freecreditreport(dot)com to see Experian agreed to my early removal (4 months early), triggering a 67 point increase for my husband! Walmart is actually supposed to age off this month anyway (without early removal), so I wonder if we will see another bump? That would make ZERO charge offs on his report! I am sooooo excited I just had to share! Have a great day everyone 
Awesome news!! congrats