So I had 1 collection account and 1 charge off on my report.
First day of delinquence for this charge off (HSBC) was 7/2009, expected fall off date (7 years) was June 2016. I am 7 months away from it falling off naturally...
However, with my success 2 months ago with EE, I said what the heck and tried for these accounts. I spoke to the CSR who answered, all they did was run the book by me saying "We cannot remove accounts early, they are set to remain for 7 years." Based on my previous experience, all they want to do is file a dispute which I did not want. I was adament about speaking to a supervisor and once the supervisor answered, I explained everything to him and told them that I would like to request an early exclusion for the charge off account and collection account related to it. He put me on a quick hold and within 2 minutes, came back and said "I have gone ahead and removed both accounts. The charge off and the collection account from Midland funding.."
Needless to say, I was excited!@ I had to ask again and confirm and was impatient and ended up pulling my TU report, sure enough, both accounts are now GONE! My TU score went from 678 -> 685! The highest I have ever been, ever...I started rebuilding back in September of 2014 and my scores then were high 500's. I currently have just 1 more account in collections which they've already offered a PFD in exchange of payment. Also, my accounts overall were @ 24% util, I've brought that down to about 1%, with only 1 card reporting (before I had 5 cards reporting a balance with about $5k in debt). I can't wait to see once all these accounts update with $0 balances from where it was and see what kind of score bump I can expect..any guesses?
side note: I've also been gardening for 8 months now
Congratulations!
I have a few baddies myself about to hit the 7 year mark. I will call and request early exclusion and hope for the same luck!
Great work 
