WINNING!!! TU removed Judgment early

MrsCHX · ‎01-26-2017

Awhile back I saw someone mention the EE and I realized I was within 6 months of one of mine aging off. The other was due to fall of 5/2018.

I asked about both, he said he could only do the one. Today I pulled my reports on CCT and BOTH are gone!!! My score went up 40 points!

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500

gdale6 · ‎01-26-2017

Nice, enjoy

Anonymous · ‎01-26-2017

Congrats. Im so close to the 6 months! my esimated date for removal is 9/17 in march I'll be on a mission to have my BK removed!

MrsCHX · ‎01-27-2017

Good luck Harley!

I can't wait until I'm able to request EE from EX and EQ.

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500

Anonymous · ‎01-27-2017

Sounds exciting, just curious what is an EE? Sorry im new

MrsCHX · ‎01-27-2017

@Anonymous wrote:
Sounds exciting, just curious what is an EE? Sorry im new

Early exclusion from your credit reports!

There are no guarantees but typically you can get TU to remove 6 months early, EX 3 months early and EQ you have to be within 1 month of the removal date. I had one due to fall off July 2017 and one May 2018. They were both deleted.

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500

Anonymous · ‎01-29-2017

I have one due for dropping off my report in March. I'm going to call each CB and ask for an EE.

Cherekas · ‎01-30-2017

That's awesome to know! Even though I'm about 4 years out, once I'm done paying for it I plan to possibly have it vacated from my credit files.

Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)

Goal Score: 700+ across all 3--Gardening until May 2019
USAA Amex-USAA Rate Advantage VS- Amex Gold- Amex Delta Blue- Macys- NYC CC- Victoria's Secret- Cap 1 QS- NFCU CR- Care Credit- Firestone- Sams Club CC- Best Buy Visa- Paypal 2% MC

Total CL $96,300

Anonymous · ‎01-30-2017

Nice! I can't wait until I'm able to request EE

MrsCHX · ‎01-31-2017

@Anonymous wrote:
I have one due for dropping off my report in March. I'm going to call each CB and ask for an EE.

Oh call TU and EX now! TU is good for 6 months early in general and EX 3 months early. EQ is usually the hold out, waiting until the month of or month before possibly.

Ask for a supervisor and then ask about an early exclusion.

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500