Hey team,
Thanks to everyone who's shared their knowledge about early exclusion. I have one paid C/O due to fall off in Dec and am excited to call TU in June and EX/EQ in Sept to try to get that one off.
I also have an account that shows 5 late payments from Jun 08 - Dec 08. They're all 120s, so I know they're still hurting me. Does anyone know whether individual late payments can also be excluded early? Or only entire TLs? Other than those 5 late pays this account is closed with a 0 balance.
Thanks as always for any insight.
Starting score 3/30/13: 570s across the board
@Jamex wrote:Hey team,
Thanks to everyone who's shared their knowledge about early exclusion. I have one paid C/O due to fall off in Dec and am excited to call TU in June and EX/EQ in Sept to try to get that one off.
I also have an account that shows 5 late payments from Jun 08 - Dec 08. They're all 120s, so I know they're still hurting me. Does anyone know whether individual late payments can also be excluded early? Or only entire TLs? Other than those 5 late pays this account is closed with a 0 balance.
Thanks as always for any insight.
No, early exclusion only applies to having the entire account excluded not individual lates for those you want to use GW letters to the one who is reporting the late(s).FYI on accounts closed in good standing individual lates will drop at the 7 year mark and once they are all gone the account is a positive until it is removed at approx the 10 year post close mark.
