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Early Delete/Exclusion

Established Member

Early Delete/Exclusion

Hello everyone,

 

I have had some success and failure this week with the early delete/exclusion issue. 

 

I disputed online with Transunion for 5/7 negative accounts I had via their online dispute form. The only reason I didn't dispute the other two was due to there not being an option for account too old on those 2 accounts. Within 12 hours, they had deleted 5/5 that were disputed!!

 

I called today to speak with a customer service rep and she stated that they could not do an early exclusion for the other two, even though they are set to fall off 05/2014 and 09/2014.

 

Any suggestions or should I just wait it out?

 

Thanks!


Starting Score: 576
Current Score: 618
Goal Score: 700+


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Message 1 of 21
20 REPLIES
Valued Contributor

Re: Early Delete/Exclusion

Which companies are the other two for if you don't mind me asking?

 

That's good to hear though, I haven't had any luck with that yet.

I'm back rebuilding my credit again, sigh.
Message 2 of 21
Established Member

Re: Early Delete/Exclusion

The other two accounts are as follows:

 

Portfolio Recovery in the amount of $168.00 (Estimated fall-off of 09/2014)

RJM Acquisitions in the amount of $1416.00 (Estimated fall-off of 05/2014)


Starting Score: 576
Current Score: 618
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 3 of 21
Regular Contributor

Re: Early Delete/Exclusion

Portofolio was schedulled to fall on my report on 09/2014 It did not give me option to dispute as account to old to be on file so I left it alone 

 

Today it was gone YMMV, phone REP will not do it in TU


Started :
05/05/2013 EX :525,TU:542,EQ:535
09/30/2014 EX :655,TU:669,EQ:664
In Garden Since 03/16/2013
Will not Apply till 03/31/2015
Message 4 of 21
Established Member

Re: Early Delete/Exclusion

I suppose I will just wait it out at this point. It's not too much longer, especially after getting to the 7 year mark. I'm just so close that I want all the baddies gone and to start fresh. Thanks for your input!


Starting Score: 576
Current Score: 618
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 5 of 21
Established Member

Re: Early Delete/Exclusion

Just a quick update. I called the dispute phone number for Equifax and asked for an early exclusion on my 9 accounts that are within 6 months of hitting the 7 year mark. I spoke with Trixie(probably located somewhere east of here) and she told me they could not do that.

 

Am I doing something/saying something wrong? Or is it just luck of the draw on who will or won't do it? 


Starting Score: 576
Current Score: 618
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 6 of 21
Senior Contributor

Re: Early Delete/Exclusion

Keep in mind that trade lines being excluded from your credit report can still be accessed later down the road or disclosed to when applying for a mortgage. Unpaid debt never goes away. 

 

 

DaBears

Message 7 of 21
New Contributor

Re: Early Delete/Exclusion

Ive been trying to get something deleted off my TU thats scheduled to fall off 5/14 as well.  Eff them...seriously, its impossible.  Im so frustrated right now I want to break things.  As if 7 years and however months isnt enough punishment for poor choices.

Message 8 of 21
Contributor

Re: Early Delete/Exclusion

I've called Experian several times over the last few weeks trying to get an early deletion for an Applied Bank CO that is due off 5/2014.  

 

I've been told that I'd have to wait until 5/1 a couple of times and today the lady told me I'd have to wait until it's 30 days out and told me to call back 4/24 because she shows it is to be on there until 5/24/2014.  It shows 5/2014 on my report....not 5/24/2014.  Never been told an exact day like that before....seems like they all have a different answer.  


Starting Score: 3/2014 - TU FICO 566, EQ FICO 569, EX FICO 563
Current Score: TU FICO 684, EQ FICO 662, EX FICO 664
Goal Score: 700+


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Message 9 of 21
Moderator

Re: Early Delete/Exclusion


DaBears wrote:

Keep in mind that trade lines being excluded from your credit report can still be accessed later down the road or disclosed to when applying for a mortgage. Unpaid debt never goes away. 

 

 

DaBears


Not true, the CRAs do not keep negatives forever they do not have the storage capacity, they get deleted from ones file at the 10 year mark just like good closed accounts do. You can goto a CRAs website and they will tell you this themselves it is an old wives tale that they keep them forever...

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 10 of 21