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My Experian early exclusion experience

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GoldSorata
Established Contributor

My Experian early exclusion experience

I have a small paid collection from a parking ticket a few years ago. On my EX report it shows  date opened Nov 2010, and first reported date of Feb 2011. I live in NY so paid collections drop off at 5 years. I knew that would be coming up but I wasn't certain what date they use since multiple dates were on my report and this item didn't specifically state a drop off date on my full report.

 

So yesterday I called Experian to inquire. It sounded like I was connected to an overseas rep and when I inquired he said that yeah it didn't show a specific drop off date and he would have to transfer me to an analyst to calculate what the date would be. I believe I was transferred to a US rep. She said the DOFD was Sept 2010 so it would fall off in Sept 2017. I brought up that I live in NY, and she corrected herself that because of that the system would automatically drop it off my report on Sept 1 of this year. I was caught off guard because I wasn't expecting it to be within 3 months, I figured the earliest it would be dropped off would be in Nov so I didn't actually ask her if it could come off early. I thanked her and hung up. I decided in the morning I'd call back and ask for an early exclusion.

 

This morning just before getting ready to call, I pull up my Experian report since I have their credit tracker and I find the collection has dropped off. So I guess just the inquiry got them to remove it.

Message 1 of 5
4 REPLIES 4
gdale6
Moderator Emeritus

Re: My Experian early exclusion experience

Thats one way to get it done Smiley Happy

Message 2 of 5
Rebuilding69
Established Contributor

Re: My Experian early exclusion experience

Nice Smiley Happy



Message 3 of 5
EW800
Valued Contributor

Re: My Experian early exclusion experience

Congratulations!  Smiley Happy 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2023: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 4 of 5
fishbjc
Senior Contributor

Re: My Experian early exclusion experience

SWEET!

 

Message 5 of 5
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