Judgement early exclusion? *Success*

[Anonymous]

Update:
Just logged into TU website to see judgement has been deleted!!! It took a couple of calls, first guy said it wasn't possible, then done with second call.

Looking forward to see what kind of score impact I see. Only one baddie left on my TU report, a student loan collection that has been paid in full. That is set to fall off 10/15 so I may get early exclusion on that around 04/15

[gdale6]

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@Anonymous wrote:
Update:
Just logged into TU website to see judgement has been deleted!!! It took a couple of calls, first guy said it wasn't possible, then done with second call.

Looking forward to see what kind of score impact I see. Only one baddie left on my TU report, a student loan collection that has been paid in full. That is set to fall off 10/15 so I may get early exclusion on that around 04/15

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Excellent, grats

[SunriseEarth]

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@RobertEG wrote:

If they require a dispute in order to consider, then you may have no choice.

It's a procedure with no statutory or regulatory basis, and thus it is not surprising that confusion in handling will occur.

Request for earlier exclusion is not a basis for dispute, as there is no inaccuracy.

You are asking the CRA for a good-will exclusion prior to the maximum statutory exclusion date.

Inaccuracy only occurs if and when the CRA issues a credit report that includes the information after expiration of the maximum statutory date.

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I agree with Robert's remarks on the matter.   

Although TU files such a request as a "dispute," I cannot recommend that early exclusion requests be completed using a "dispute" process.   The community here only recommends disputes due to inaccuracy in reporting.