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TU EE Success

New Contributor

TU EE Success

I had an $800 unpaid medical collection scheduled to be removed 4/16. Called TU today. Spoke with regular CSR who would not remove it. Asked to speak with Supervisor. He didn't seem like he wanted to accommodate me either. I nicely said I knew it could be done since its been done before. He kindly agreed to remove it. I thanked him profusely. I pulled my report and it's already gone. I'm so excited. Hopefully, it stays gone.
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Message 1 of 10
9 REPLIES
Moderator

Re: TU EE Success

Grats on getting the EE and since the CRA excluded it its not going to be coming back,

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 2 of 10
Frequent Contributor

Re: TU EE Success

Congrats on the EE!

Starting Score: 6/30/15 EQ 554 TU 534 EX 608
Current Score: EQ 630 TU 635 EX 653
Goal Score: 680 across the board

Take the myFICO Fitness Challenge!
Message 3 of 10
Contributor

Re: TU EE Success

Congratulations on the EE. I called TU today and had a supervisor do the same thing for me. I had an auto loan with 32 latest they removed. It was scheduled to fall off in april. Yaaay! Now if only EX and EQ would do the same! Lol! Again congrats!  

Message 4 of 10
Valued Contributor

Re: TU EE Success

Congrats


FICO 8 Scores
TU 752- EQ 751- EX 745

Message 5 of 10
Frequent Contributor

Re: TU EE Success

I tried googling "EE" in relationship to credit reports, can someone let me in on what that stands for? I'm guessing erase might be one of the E's but I want to know what this is and how I can attempt it, I have only a few baddies left (and unfortunately public records, not sure if they can do anything w/ those) but I'd like to try and kiss someone's ass on the phone if it'll help me in any way.

And congrats by the way, that sounds like great news.

hell I'd even be happy if they'd just remove the $700 old capital one charge off, I just settled it for $450... any chance there? lol

Message 6 of 10
Regular Contributor

Re: TU EE Success

Are you calling the regular transunion customer service number and just asking for a supervisor? thanks.

Message 7 of 10
Established Contributor

Re: TU EE Success


drgurbz wrote:

I tried googling "EE" in relationship to credit reports, can someone let me in on what that stands for? I'm guessing erase might be one of the E's but I want to know what this is and how I can attempt it, I have only a few baddies left (and unfortunately public records, not sure if they can do anything w/ those) but I'd like to try and kiss someone's ass on the phone if it'll help me in any way.

And congrats by the way, that sounds like great news.

hell I'd even be happy if they'd just remove the $700 old capital one charge off, I just settled it for $450... any chance there? lol


EE stands for Early Exclusion.   Your credit reports keep information for 7 years + 180 days - however, if you are close to the exclusion date - you can try to contact the the reporting agencies to see if they will remove it early.   Each agency has a differnt time frame.  One is 6 mos.  One is 2-3 mos and the other is like 1 month.....however, I can't keep track of which is which - if you search in the forums you'll find the answer tho.   I think TU is the earliest, then EX and EQ is last - but don't quote me on it.....sometimes people have been lucky anyway!

HTH

FAKO scores in April: TU 573 EQ 586 (Ya gotta start somewhere!)
Actual Scores July 2015 TU 614, EQ 651, EX 572 October 7, 2015 TU 642, EQ 679, EX 651 Updated December 9, 2015 TU 706, EQ 708 EX 684 Updated Sept. 30, 2016 TU 674 EQ 668 EX 660 Oct 2017 Fico* TU 630, EQ, 624, EX 631 MORTGAGE TU 659, EQ 662, EX 618
Capital One Quicksilver MC $500- $1,500-$2,000 / Discover IT $500 - $800 - $1200-$1800- $2300-$3200 / Capital One Plat. $500-$1500-$2000 / Chase Freedom $500-$1000-$2000 / AMEX Blue Everyday $2,000 / CITI Dble Cash $1,200-$1800 / Barclays $2000 / Kohls $400- $600 / Old Navy $600.00 / Victoria Secret $500-$800
Message 8 of 10
Contributor

Re: TU EE Success

Yes, you can try a regular customer rep. But they told me no and I asked for a supervisor and she just removed it. Just be super nice and friendly! ! Smiley Happy

Message 9 of 10
Highlighted
Valued Contributor

Re: TU EE Success

TU is 6 months out EX is 2-3 and EQ is about a month.
Message 10 of 10