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Early Exclusion Transunion??- Updated

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Anonymous
Not applicable

Early Exclusion Transunion??- Updated

i called TU this morning to request an EE for an unpaid collection from ERC for $347 due to fall off 8/15. Rep first says that she would initiate dispute and that I should receive a follow up letter within 30 days. I told the rep that I was not disputing the information, but simply requesting removal early. She says that they must verify the dates are correct and I should receive a letter within 5-7 business days. 

 

Please tell me if I screwed up?

Message 1 of 35
34 REPLIES 34
Anonymous
Not applicable

Re: Early Exclusion Transunion??

Did she initiate a dispute from what you said?

 

If not, then no you didnt mess up. Hopefully she understood you correctly. 

Message 2 of 35
Anonymous
Not applicable

Re: Early Exclusion Transunion??

@MrOUOKC Im not sure is she did or didn't 😢 guess I'll have to wait to receive a letter in 5-7 days...
Message 3 of 35
Anonymous
Not applicable

Re: Early Exclusion Transunion??

i had the same thing happen to me today... ... ugg.... 

 

Message 4 of 35
Whitneyy
Valued Contributor

Re: Early Exclusion Transunion??

They always seem to say this or something of the caliber and it ends up coming back deleted. Do you have a Transunion login to check when it's complete?

GOAL - 700 FICO across the board!
Message 5 of 35
TRC_WA
Senior Contributor

Re: Early Exclusion Transunion??

From what I've read across the forums it seems TU will delete up to 6 months early... with EQ and EX 3 months early. 

 

YMMV.

 

I'll be able to confirm in October... Smiley Wink

FICO8 current as of : 4-17-24 EQ: 724 TU: 707 EX: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200k
Last app: 4-6-24
Message 6 of 35
Anonymous
Not applicable

Re: Early Exclusion Transunion??

@Whitneyy I use credit karma to monitor thing being updated or deleted.... Hopefully she understood and it will be deleted...


@Whitneyy wrote:

They always seem to say this or something of the caliber and it ends up coming back deleted. Do you have a Transunion login to check when it's complete?




Message 7 of 35
sisyphus_project
New Contributor

Re: Early Exclusion Transunion??

I did an Early Exclusion with TU last week. I used the online system, pressed the "other" button, and wrote that I was requesting an early exclusion and wasn't disputing.

 

It was gone from my report the next day, and I received a letter the next week confirming the deletion.

Message 8 of 35
FIRECOURAGE
Frequent Contributor

Re: Early Exclusion Transunion??

Sisyphus
How close was it to coming off? 6 months?

4/01/2019 | Dismissed Chapter 7 BK

2/12/2024 | Equifax: 677 | Experian: 699 | TransUnion: 725
Goal Score: 750 - Across The Board
Message 9 of 35
Anonymous
Not applicable

Re: Early Exclusion Transunion?? Edited

update 3/11/2015 just checked weekly update on Credit Karma and TU deleted account early!!!! I will be calling Ex and EQ in June to see if they will do the same......

Message 10 of 35
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