Posted earlier that I called TU and asked for an early exclusion on my foreclosure set to fall off in Sept. Just checked and it's gone! I doubt I'll see any increase in Fico tho, in fact I may see a drop. This account had 23 lates on it, with 17 of them being 90-120 day, but the last late was 5 years ago. It also means losing a 12 year old account on my AAoA. That leaves my TU report clear of all baddies and lates except a BK 13 that started it all will be on there till early 2016. Can't wait to see my scores, but if they're lower I still would prefer the cleaner report. Just looks odd having all positive accounts,no neg accounts, but a BK showing 
@teo77777 wrote:Posted earlier that I called TU and asked for an early exclusion on my foreclosure set to fall off in Sept. Just checked and it's gone! I doubt I'll see any increase in Fico tho, in fact I may see a drop. This account had 23 lates on it, with 17 of them being 90-120 day, but the last late was 5 years ago. It also means losing a 12 year old account on my AAoA. That leaves my TU report clear of all baddies and lates except a BK 13 that started it all will be on there till early 2016. Can't wait to see my scores, but if they're lower I still would prefer the cleaner report. Just looks odd having all positive accounts,no neg accounts, but a BK showing
That BK is the biggest problem of all and its costing a lot even at this late date. Mine was costing me 66 points at the end and others even more. Grats on getting the FC off 
Congratulations on getting TU to delete early! Sounds like it was about six months early?
I have a foreclosure showing as well, although it is not scheduled to drop until about summer of 2018 - just over three years to go. I am hoping that when I get within a few months to do the same!
Again, congratulations!
I have a foreclosure showing as well, although it is not scheduled to drop until about summer of 2018 - just over three years to go. I am hoping that when I get within a few months to do the same!
Again, congratulations!
@EW800 wrote:
Congratulations on getting TU to delete early! Sounds like it was about six months early?
I have a foreclosure showing as well, although it is not scheduled to drop until about summer of 2018 - just over three years to go. I am hoping that when I get within a few months to do the same!
Again, congratulations!
Thanks! As for how early , I think 5 months..That's assuming if it's scheduled for Sept, they mean Sept 1st. Still have no idea whether or not score will go up or down. I have score Watch, so rather than pay, I'll just wait until some other event triggers a change. Good luck to you!