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I just tried for EE with Transunion on 2 of my accounts in collections.
1 set to fall off March 2016 and the other June 2016.
Yes I know the rule is 6 months or so, but I thought I would try my luck. Of course they denied me and told me there is still a lot of time left on them and to try back in a few months. I will say this though, do not go through a regular CSR person. They cannot do anything and all they'll do is dispute it. Ask for a supervisor...
As soon as a supervisor got on the phone, knew exactly what my call was about and said had these been Jan/Feb 2016 fall off dates, he could have removed them on the phone with me! So, do not go through normal csr...supervisors can do it over the phone.
Good luck to everyone going for EE! I will try again in November.
@TRC_WA wrote:You guys are making me impatient... gonna try an online dispute today for all my Ch 13 derogs set for removal 3/2016.
I realize I'm 7 months out and not 6 but what the heck... LOL Will post back.
Well the website issues appear to have been resolved....
I pulled a new free report today based on my recent SP CLI denial with Discover... and disputed my Ch 13 public record and the dozen IIB accounts that are slated for removal 3/2016.
So I'm about 3 weeks early from 6 months... will post back with the results. I'm hoping I have the same success that others have had with 6-7 month early removal. I did all my disputes online and disputed as too old and commented that I was requesting early exclusion.
@TRC_WA wrote:
@TRC_WA wrote:You guys are making me impatient... gonna try an online dispute today for all my Ch 13 derogs set for removal 3/2016.
I realize I'm 7 months out and not 6 but what the heck... LOL Will post back.
Well the website issues appear to have been resolved....
I pulled a new free report today based on my recent SP CLI denial with Discover... and disputed my Ch 13 public record and the dozen IIB accounts that are slated for removal 3/2016.
So I'm about 3 weeks early from 6 months... will post back with the results. I'm hoping I have the same success that others have had with 6-7 month early removal. I did all my disputes online and disputed as too old and commented that I was requesting early exclusion.
Good luck! The website is still not working for me, but hopefully we both get the results we want! P.S. I also recently tried to get a CLI form Discover and was denied. Which makes me really upset because a couple of months ago I tried and was denied, and they said it was because of my tax lien. Lien is now gone and STILL no CLI. I'm interested to see what their reason is now.
@TRC_WA wrote:
@TRC_WA wrote:You guys are making me impatient... gonna try an online dispute today for all my Ch 13 derogs set for removal 3/2016.
I realize I'm 7 months out and not 6 but what the heck... LOL Will post back.
Well the website issues appear to have been resolved....
I pulled a new free report today based on my recent SP CLI denial with Discover... and disputed my Ch 13 public record and the dozen IIB accounts that are slated for removal 3/2016.
So I'm about 3 weeks early from 6 months... will post back with the results. I'm hoping I have the same success that others have had with 6-7 month early removal. I did all my disputes online and disputed as too old and commented that I was requesting early exclusion.
Good luck!