Early Deletion

[HopeTo]

Thanks! Hopefully it works for me

[guiness56]

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@growing123 wrote:

No, I just called the number I found on this forum (stickies on front).  Asked the rep at both CRA and they said yes. I didin't even know they did early exclusion until I read it on this forum. 

I have also read that people go online and choose the option 'obselete', this is with TU.  Good luck!

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It isn't obsolete if it is still within the CRTP.  This option should NOT be used if it is as it would be a violation of the TOS of the forums.

[Lightntheglass]

Yes, I had a Macy's CO account that fell off 2 years early from all 3 credit agencies. I didn't do anything. I'm not sure why that happened, but I'm glad it did. It was past the SOL and the amount was $215. I think it costs them money to report it every month, and since it was a low amount I guess they decided "Ah, screw it. She obviously isn't going to pay it so lets just delete this thing and move on". Honestly, if they would have agreed to pay for delete then I would have, but from being on this forum I know Macy's rules with an iron fist when it comes to deleting accurate information, so I didn't even bother. 

[earlyKY]

So how early are we talking here? I have one paid charge off that is due to fall off in 12/14. Is it too early to try?

[gdale6]

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@earlyKY wrote:

So how early are we talking here? I have one paid charge off that is due to fall off in 12/14. Is it too early to try?

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Attempt early deletion by request 6 months prior and every month thereafter till its gone.

[New_Beginning]

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@growing123 wrote:

No, I just called the number I found on this forum (stickies on front).  Asked the rep at both CRA and they said yes. I didin't even know they did early exclusion until I read it on this forum. 

I have also read that people go online and choose the option 'obselete', this is with TU.  Good luck!

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What are the stickies for these numbers and where can I find them?

Thanks!

[growing123]

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@New_Beginning wrote:

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@growing123 wrote:

No, I just called the number I found on this forum (stickies on front).  Asked the rep at both CRA and they said yes. I didin't even know they did early exclusion until I read it on this forum. 

I have also read that people go online and choose the option obsolete, this is with TU.  Good luck!

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What are the stickies for these numbers and where can I find them?

Thanks!

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The 'stickies' are frequently requested threads located on the first page of the rebuilding forum.  They have the numbers for all of the CRA's, or if you have a report from the CRA, they usually have their number listed.  Good luck!

[New_Beginning]

Thanks!

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@growing123 wrote:

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@New_Beginning wrote:

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@growing123 wrote:

No, I just called the number I found on this forum (stickies on front).  Asked the rep at both CRA and they said yes. I didin't even know they did early exclusion until I read it on this forum. 

I have also read that people go online and choose the option obsolete, this is with TU.  Good luck!

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What are the stickies for these numbers and where can I find them?

Thanks!

---

The 'stickies' are frequently requested threads located on the first page of the rebuilding forum.  They have the numbers for all of the CRA's, or if you have a report from the CRA, they usually have their number listed.  Good luck!

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